Cover payroll, supplies and the wait on contract payments. A five-minute application, soft pull to start, and no tax returns required.
Apply NowWorking Capital
Contractors, hotels, clinics and service companies in Virginia Beach use working capital to stay ahead of payroll and suppliers when customer payments run late.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
Your score matters, but consistent deposits matter too. We look at the full picture.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
The schedule is laid out in your offer up front so you can plan around paydays and seasons.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Virginia Beach is more than a summer town. Defense contractors, shipyard suppliers, healthcare practices and agricultural operations in the southern part of the city all keep the local economy busy year round. What they share with Oceanfront hotels is timing: payroll and suppliers want to be paid now, and customers, contracts or the season pay later. Working capital loans cover that gap so you can keep crews working and shelves stocked.
Start with our five-minute application. We run a soft credit pull to begin and review roughly three months of business bank statements. We look at how steady your deposits are and what you already owe, then size an amount between $25,000 and $5,000,000. No tax returns are required, FICO scores from 500 are considered, and sole proprietors can apply. Your offer lays out the full repayment amount and schedule before you accept.
| Business | Need |
|---|---|
| Marine subcontractor | Payroll while waiting on contract payments |
| Oceanfront hotel | Spring refresh before peak season |
| Landscaping company | Equipment repairs and seasonal hiring |
| Medical practice | Bridge while reimbursements arrive |
These are for illustration; your use can be anything that keeps the business running and growing.
Many local businesses feel the effect of permanent change of station season and deployments, in addition to the tourist calendar. If your revenue follows those cycles, mention it. We read deposits across your statements, and context helps us understand why a month looks different. Applying a few weeks before your known crunch gives you time to review your offer calmly instead of under pressure.
The clearest applications pair steady deposits with a specific purpose. Tell us what the money will do, such as covering two payroll cycles until a Navy subcontract pays or stocking a warehouse before peak season, and how much you need to do it. Requests that match a real plan are easier to size, and they help you avoid borrowing more than the business needs. Keep business funds in one account so your statements tell the full story.
A business line of credit in Virginia Beach works if needs come and go. If speed is the priority, read about fast funding in Virginia Beach. For statewide options, see working capital in Virginia. Or just apply.
Payroll, inventory, repairs, marketing, hiring or covering slow months. Most ordinary business expenses that keep operations running qualify as uses.
From $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Your offer shows the repayment schedule and the full amount to be repaid before you accept, so you can plan.
We begin with a soft credit pull, which doesn't affect your credit score.
Example uses for illustration only.
These steps tend to make an application clearer and quicker to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding