Working capital is current assets minus current liabilities — the cash cushion that runs the business. You can add it with an advance or a line of credit.
Check my optionsCash flow
Working capital is the money available to run the business day to day: current assets such as cash, receivables and inventory minus current liabilities such as payables and short-term debt. When it runs thin, even profitable businesses struggle to pay bills on time.
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.
Net cash, total payback and payment shown before you sign.
Your file goes to funders that fit it, so offers can be compared.
Existing balances of $100,000 or less can be bought out.
You can apply at 500; stronger credit opens more products.
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.
Calculate it simply. Add cash, accounts receivable and inventory; subtract accounts payable, accrued expenses and the portion of debt due within the next year. A positive result means the business can cover near-term obligations from near-term resources. The current ratio, current assets divided by current liabilities, expresses the same idea as a ratio.
Working capital shrinks for predictable reasons: rapid growth that requires more inventory and receivables, customers paying slowly, seasonal dips, a large one-time purchase paid from cash or short-term debt payments that consume operating cash.
There are internal ways to get more. Collect receivables faster with prompt invoicing and deposits on large jobs, reduce slow-moving inventory, negotiate longer supplier terms and retain more profit in the business.
External options add working capital directly. A business line of credit provides flexible access to draw when needed. Revenue-based funding and merchant cash advances provide a lump sum based on deposits, with credit from 500 considered and funding often the next business day. Term loans and SBA loans add longer-term working capital for businesses that qualify. Invoice factoring converts receivables into cash.
Choose by need: recurring swings suit a line of credit; a one-time gap suits a short-term advance; a permanent increase in working capital needs suits longer-term financing or retained profit.
MFE offers lines of credit and revenue-based working capital from multiple funders through one application.
Working capital needs also change with the business model. A service business with prepaid clients may need little; a distributor that buys inventory months ahead and sells on 60-day terms may need a lot. Understanding your model tells you whether to build a large permanent cushion or plan recurring short-term funding.
Here is a working capital offer sized to deposits. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.30) | $130,000 |
| Term | ~26 weeks |
| Payment per week | $5,000 |
| Monthly payment the project must cover | $21,650 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Calculate | Current assets minus current liabilities |
| Internal | Collect faster, leaner inventory, longer terms |
| Line of credit | Recurring swings |
| Revenue-based funding | One-time gaps, fast |
| Term or SBA loan | Permanent increases |
Good fit:
Probably not yet:
Current assets minus current liabilities, the money available for day-to-day operations.
Cash plus receivables plus inventory, minus payables and short-term debt.
Growth, slow collections, seasonality, large purchases or heavy short-term payments.
Collect faster, reduce inventory, extend supplier terms and retain profit.
Lines of credit, revenue-based funding, term or SBA loans and factoring.
Options begin at 500.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding