What businesses actually use it for
Working capital is not one situation, it is a dozen. The right product depends on whether you need a lump sum or a cushion.
Payroll and the gap before a client pays
A line of credit is usually right — draw it, cover the gap, repay when the invoice lands.
Inventory ahead of a season
A term loan sized to the buy, paid back over the season it funds.
Equipment or a repair that stops work
A term loan. Fixed amount, fixed schedule, next-day funding.
Taking on a bigger contract
Often a line of credit, so you can draw in stages as the job progresses.
Both products, one application
You do not have to decide before you apply. One application, then we tell you what you qualify for on both and you pick.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
How fast can I get working capital?
Same-day decision and next-business-day funding.
How much can I get?
Up to $350,000 on a line of credit, up to $250,000 on a term loan.
Do I need collateral?
These are revenue-based products underwritten on business performance rather than pledged assets.
What if I already have an advance?
We fund first and second position, and can buy out a position with a balance of $100,000 or less.
Will applying affect my credit score?
No, checking what you qualify for does not affect your credit.