Cover payroll, inventory and seasonal gaps with $25,000 to $5,000,000. About three months of statements, no tax returns, soft pull to start.
Start My ApplicationWorking Capital, North Carolina
From the Triad to the Outer Banks, businesses pay for labor and stock before customers pay them. Working capital covers that stretch, with the full repayment shown before you accept.
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.
Five-minute application, recent statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and current balances drive the decision.
The full repayment amount is in your offer before you accept. No surprise costs after signing.
The repayment schedule is laid out in the 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.
A Hickory furniture maker buying lumber before orders ship. A Wilmington-area coastal shop staffing up before tourists arrive. A Durham IT contractor waiting on a client's net-60 invoice. Each needs cash before the revenue lands. Working capital fills that gap so you can keep operating on your own timeline.
We look at about three months of business bank statements to understand deposits and current obligations. We start with a soft credit pull and consider FICO scores of 500 and up. No tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, with the amount depending mainly on deposits and what you already owe.
Agriculture in the east, tourism on the coast and in the mountains, and steady business activity around Charlotte and the Triangle all create different cash cycles. We look at how your business has carried itself through quieter months and factor that into the offer.
A Winston-Salem commercial cleaning company lands a contract with a new office park. The client pays on long invoice terms, but the company has to hire staff and buy supplies now. Working capital sized to its deposits covers the first few payroll cycles until the client's payments start arriving. The offer lays out the total repayment and schedule before the owner signs. This example is for illustration only; real offers depend on your own deposits and obligations.
Working capital can come as a lump sum or through a merchant cash advance repaid from sales. If you want to draw as needed, look at a business line of credit. For a specific purchase, equipment financing may fit better. Apply in about five minutes and we will walk you through the options.
From $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Not by itself. We read deposits against your season and look at how you have handled slower months before.
A five-minute application and about three months of business bank statements. No tax returns.
FICO scores of 500 and up are considered, beginning with a soft credit pull.
Funding can arrive in as little as 24 hours for qualified businesses once your file is complete.
Yes. Sole proprietors can apply as long as the business shows steady deposits in a business bank account. You do not need to be incorporated to start an application with us.
Example uses for illustration only.
Preparing these makes the review go faster.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding