Cover payroll, inventory, and slow months with working capital sized to your deposits. Apply in about 5 minutes with no tax returns.
Check EligibilityWorking Capital, Oregon
Oregon businesses deal with rainy-season slowdowns, harvest calendars, and slow-paying clients. Working capital bridges the gap so you don't turn down good work.
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 roughly three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, weighed alongside your deposits and time in business.
Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is set 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.
Most working capital needs come down to timing. A nursery in the Willamette Valley buys stock months before spring sales. A general contractor in Eugene pays crews every week while a client takes its time paying the invoice. A Hood River orchard supplier carries costs long before harvest money arrives. Working capital covers that stretch so the business doesn't stall.
Funding ranges from $25,000 to $5,000,000, depending on your deposit history and current obligations.
Oregon has real seasonal patterns. Rainy winters slow landscaping and exterior trades west of the Cascades. Tourism on the coast and in central Oregon peaks in summer. Agriculture, timber, and wine all run on their own calendars. When we review about three months of statements, we ask what part of your year they cover and how that compares to your normal cycle. Tell us during the application if the snapshot looks unusual.
For illustration: a landscaping company in the Portland metro area brings in steady deposits from April through October and much less in the rainy months. In February it wants to hire two crew members and buy materials so it can start jobs the moment the weather turns. Working capital covers those costs ahead of the busy season, and repayment follows the schedule set out in the offer. The amount offered depends mainly on the deposits in the statements and any existing obligations.
Working capital can also fund a partner buyout when a co-owner wants to step away. The review is the same: deposits, existing obligations, and an offer that shows the full repayment amount before you accept.
The application takes about 5 minutes and starts with a soft credit pull. We consider FICO scores of 500 and up, we don't ask for tax returns, and sole proprietors can apply. If a merchant cash advance or a line of credit fits your situation better, we'll say so.
Apply for working capital when you're ready.
Day-to-day business needs such as payroll, inventory, repairs, marketing, and covering slow periods between customer payments.
Between $25,000 and $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. We review about three months of business bank statements and a short application.
No. The soft credit pull used to start does not affect your credit score.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Yes. Many owners apply ahead of a seasonal rush. Tell us about your normal cycle so we read your statements in context.
Example uses for illustration only.
Before applying, a few practical steps can improve the offer you see.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding