Cover payroll, materials and inventory between invoices. $25,000 to $5,000,000, sized to your deposits. No tax returns required.
Start My ApplicationMichigan Working Capital
Michigan businesses deal with long payment terms, short summers and production swings. Working capital bridges those gaps based on about three months of your business bank statements.
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 roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your deposits and track record are weighed alongside your score.
Your offer shows the total repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front.
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.
Most cash problems in a healthy business are timing problems. A Grand Rapids contractor buys materials weeks before the final invoice clears. A Flint tool-and-die shop runs a job for a tier supplier on net terms. A Kalamazoo brewery stocks ingredients before the summer patio season fills up. Working capital covers the space between money going out and money coming back. It is not meant to rescue a business that is losing money; it is meant to keep a sound one from stalling.
We fund established businesses with steady deposits. The review centers on about three months of business bank statements; no tax returns are required. We look at how much comes in, how consistently it arrives, and what existing obligations are already drawing on the account. FICO scores of 500 and up are considered, and the credit check starts as a soft pull.
Sole proprietors can apply. So can LLCs and corporations.
Account behavior matters too. A file with frequent negative balances or returned items reads differently from one where the balance stays positive, even if total deposits are similar. None of these factors decides the outcome alone; they are weighed together to arrive at an amount the business can carry.
Working capital ranges from $25,000 to $5,000,000. Bigger deposits generally mean more room, but existing payments reduce it. If you need ongoing access rather than one lump sum, a business line of credit in Michigan may be the better fit. If the money is going into a specific machine or vehicle, look at equipment financing in Michigan.
Fill out our 5-minute application, send your statements, and review your offer. There is no long back-and-forth over financial statements or projections. It shows the full repayment amount and your repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
Day-to-day operating needs: payroll, inventory, materials, rent, marketing and similar costs. It is meant to keep the business running smoothly through timing gaps.
Amounts run from $25,000 to $5,000,000. The figure depends mainly on your deposits and any existing financing you are already paying.
No. About three months of business bank statements is what we review.
Yes. Sole proprietors can apply.
The application takes about 5 minutes. Funding can arrive in as little as 24 hours for qualified businesses once you accept an offer.
Example uses for illustration only.
A stronger working capital request usually starts with clean books.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding