Cover payroll, inventory and seasonal swings while receivables catch up. 5-minute application, bank statements instead of tax returns.
Start ApplicationWorking Capital, Washington
Whether you run a Seattle agency or a Yakima packing operation, working capital smooths the stretch between spending and collecting.
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 three months of bank statements and a 5-minute application. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. We put real weight on your deposit history and current obligations.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
Payment amounts and timing are laid out in the offer up front, so you can budget with confidence.
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 crunches we see in Washington are timing problems, not demand problems. A Kent warehouse supplier waits on net terms from a large customer. A Vancouver general contractor has crews to pay before the next draw. A Walla Walla winery buys barrels and bottles long before the vintage sells. Working capital bridges that stretch so the business keeps moving while receivables catch up.
We offer working capital from $25,000 to $5,000,000 for established businesses with steady deposits, with a set repayment schedule you can see before you sign.
Our review centers on the account where your revenue lands:
No tax returns required. Sole proprietors can apply alongside LLCs and corporations.
Puget Sound businesses often use working capital for hiring ahead of busy periods, stocking up before the holidays, or covering overhead in a high-rent market while a contract ramps up.
From Spokane to the Tri-Cities, agriculture and the businesses that serve it feel the season. Owners use working capital for fuel, parts, packing supplies and labor during harvest, then repay as product moves.
For illustration only: a Seattle-area cabinet shop lands a large commercial order. Materials and extra labor are due up front, but the customer pays on completion several weeks later. The owner applies for working capital sized to the materials and payroll, reviews an offer showing the full repayment amount and schedule, and accepts once the numbers fit the job. When the customer pays, the business has kept its crew busy and its account healthy through the whole project.
The point is to tie the funding to a clear purpose with revenue behind it. We will size the request to what your deposits support rather than the biggest number possible.
If your needs come and go, a business line of credit in Washington may suit you better. If the money is for a machine or vehicle, look at equipment financing in Washington. Either way, the application takes about five minutes, and qualified businesses can be funded in as little as 24 hours.
Amounts range from $25,000 to $5,000,000. Where you land depends mainly on your deposit history and the obligations you already have.
No. About three months of business bank statements and the online application are the core of the file.
Yes. Payroll, inventory, rent, marketing and repairs are all common uses of working capital.
Your offer lays out the repayment schedule and the full repayment amount up front, so you can review both before accepting.
We built our working capital for established businesses with steady deposits. If your deposit history is short, apply and we will tell you honestly what your statements support.
A soft credit pull does not count as a hard inquiry, so starting an application does not ding your credit.
Example uses for illustration only.
Owners who prepare a little tend to get cleaner, faster reviews.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding