Bridge the gap between bills and revenue. $25,000 to $5,000,000 with a 5-minute application and about three months of statements.
Apply NowWorking Capital, North Dakota
We size working capital to your deposits, so North Dakota owners get an amount that fits through busy seasons and cold, slow months.
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.
5-minute application, about three months of statements, no tax returns.
FICO 500+ considered, alongside your deposits.
The full repayment amount is in your offer 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.
North Dakota businesses deal with long winters, short building seasons and an economy shaped by agriculture and energy. That means bills and revenue rarely line up neatly. A Valley City contractor buys materials in April but gets paid in July. A Jamestown grocery covers higher heating costs in January. Working capital bridges those gaps.
We start with a 5-minute application and about three months of business bank statements, then a soft credit pull. No tax returns are required. FICO scores of 500 and up are considered. We focus on steady deposits from an established business, and we weigh what you already owe so a new payment does not crowd out normal expenses.
Picture a Dickinson oilfield service shop with steady deposits but uneven receivables as operator activity shifts. The owner wants a cushion to keep crews paid while invoices clear. We would review average deposits, note any existing equipment payments, and size an offer so the payment sits comfortably inside regular revenue. If the numbers support a smaller amount than requested, we say so.
Working capital is a lump sum for general needs. If you want to draw only when needed, compare a business line of credit. If payments tied to sales suit you better, see our merchant cash advance page.
Before applying, sketch out what the funds will cover and when the money comes back in. If the need is a one-time purchase that pays off over the next season, working capital is usually a good fit. If you expect several smaller gaps throughout the year, a line may serve you better.
Also look at what is already coming out of your account each month. Existing loan and advance payments reduce how much new payment your deposits can carry. Listing them honestly up front helps us size an offer that does not leave you short in February when sales are slow and heating bills are high.
Funding can arrive in as little as 24 hours for qualified businesses after the offer is accepted and verification is complete.
No. We rely on about three months of business bank statements and a short application.
Yes. Sole proprietors can apply.
Mainly by your deposits and existing obligations. Ranges run from $25,000 to $5,000,000.
No surprises. Your offer shows the full repayment amount and schedule before you accept.
Example uses for illustration only.
A stronger file usually gets a cleaner answer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding