Flexible funding for payroll, inventory, repairs, and slow-paying customers. About three months of statements, no tax returns, soft pull to start.
Get StartedWorking Capital, New Mexico
Oilfield suppliers, contractors, restaurants, and shops across New Mexico use working capital to keep things moving while they wait to get paid.
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.
About 5 minutes to apply and three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. Your deposits and obligations weigh in alongside the score.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
The repayment schedule is laid out in your offer from the start.
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.
Ask ten New Mexico owners what they'd do with extra cash and you'll hear ten different answers. A Farmington oilfield service company needs payroll covered while a big operator pays on net-45. A Rio Rancho HVAC contractor wants parts on the shelf before summer. A Silver City restaurant needs to replace a walk-in. Working capital is flexible funding for exactly these everyday needs.
| Item | What to expect |
|---|---|
| Amount | $25,000 to $5,000,000 |
| Documents | About three months of business bank statements |
| Tax returns | Not required |
| Credit | FICO 500+ considered, soft pull to start |
| Speed | As little as 24 hours for qualified businesses |
The amount depends mainly on your deposits and the obligations you already carry.
New Mexico's economy mixes steady sectors like government, healthcare, and research around the national labs with cyclical ones like oil and gas, film production, tourism, and agriculture. A Permian Basin supplier may see deposits rise and fall with drilling activity. A Hatch chile operation peaks in late summer. We look at whether your business has come through slow stretches before, not just at the most recent month.
For illustration, a business with steady deposits and few existing obligations generally has more room than one with the same sales and several current payments.
For illustration: an Albuquerque commercial cleaning company wins a contract with a large office complex. The client pays monthly, but the company needs to hire staff and buy supplies right away. Working capital covers payroll and equipment for the first weeks until payments start arriving. The offer size would track the company's existing deposits and current obligations rather than the value of the new contract.
If you need to draw funds repeatedly, see a business line of credit in New Mexico. For trucks or machinery, equipment financing may fit better. Card-heavy businesses can compare a merchant cash advance. Start your application.
Payroll, inventory, rent, repairs, marketing, and bridging the time between finishing work and getting paid.
Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
No. About three months of business bank statements and a short application are enough to start.
No. We start with a soft credit pull, which does not affect your score.
Seasonal businesses can apply. We read your deposits against your calendar, and you can explain slow months in the application.
We don't state a hard revenue minimum. We work with established businesses that show steady deposits in their business bank account.
Example uses for illustration only.
A few habits can make your working capital request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding