Working Capital Loans Up to $5M — Approved in 24 Hours
Cover payroll, inventory, contracts, and operating costs without draining your reserves. One application connects you to 15+ lenders competing for your business.
Minimum $10K monthly revenue. 6+ months in business. No hard credit pull to check eligibility.
What Is a Working Capital Loan?
Working capital is the difference between your current assets and your current liabilities — the fuel that keeps your business running between revenue cycles. A working capital loan is short-term business financing specifically designed to fund these operational needs without requiring collateral or lengthy approval timelines.
Unlike equipment financing or commercial mortgages, working capital loans are unsecured in most cases and approved primarily on your business's cash flow and monthly deposits. They're designed for speed: most approvals happen within 4–24 hours, and funds are wired within one to two business days of accepting an offer.
Repayment is typically structured as daily or weekly ACH debits from your business checking account, sized as a percentage of your average deposits so payments stay manageable even during slow periods.
Loan Snapshot
- Funding amount
- $10K – $5M
- Term length
- 3 – 24 months
- Time to fund
- 24 – 48 hours
- Credit requirement
- 500+ personal score
- Revenue minimum
- $10K/month
- Collateral
- Typically not required
- Documents needed
- 3 months bank statements
When to Use a Working Capital Loan
Working capital is a tool. Here are the situations where it pays off.
Cover Payroll Gaps
Revenue came in two weeks late but payroll can't wait. A working capital loan bridges the gap so you don't miss a payment to your team.
Purchase Inventory Ahead of Season
Seasonal businesses often need to stock up 60–90 days before peak. Working capital lets you buy at volume pricing without draining your operating account.
Take On a Large Contract
Winning a $500K contract is only valuable if you can fund the work. Working capital covers materials and labor while you wait for the first milestone payment.
Bridge Between Invoices
Net-30 and Net-60 payment terms create cash flow gaps. Working capital loans keep you operating while your receivables clear.
Cover Unexpected Operating Costs
Equipment repairs, a spike in raw material costs, a lost key employee — working capital gives you the runway to absorb the hit and keep moving.
Fund a Marketing Campaign
Paid acquisition, trade shows, and seasonal promotions require upfront spend. A short-term working capital loan lets you invest in growth without sacrificing cash flow.
Types of Working Capital Financing
Not all working capital products are the same. Here's how the main options compare.
| Product | Term | Amount | Repayment | Best For |
|---|---|---|---|---|
| Short-Term Business Loan | 3–18 months | $10K–$1M | Daily or weekly ACH | Operators needing a lump sum for a specific expense or opportunity |
| Merchant Cash Advance (MCA) | 3–12 months | $5K–$500K | % of daily card sales | Retail, restaurant, or service businesses with consistent card volume |
| Revenue-Based Financing | 6–24 months | $25K–$2M | % of monthly revenue | Higher-revenue businesses that prefer flexible repayment tied to income |
| Invoice Financing | 30–90 days | Up to 90% of invoice value | Single repayment when invoice clears | B2B operators waiting on outstanding invoices from creditworthy clients |
Want a full breakdown of lender rates and terms? See our lender comparison guide.
Get a Working Capital Loan in 24 Hours
Apply once, get matched to the right lender for your revenue and credit profile. No collateral required.
Related Funding Options
Working capital loans are one piece of the puzzle. Depending on your situation, one of these options might be a better fit — or you might use them together.
Business Line of Credit
Revolving credit you draw as needed — no reapplying each time.
Same-Day Business Funding
Need capital today? Emergency funding wired in hours.
Bad Credit Business Loans
Credit score under 600? We still have options.
How to Qualify
Exact criteria across all lender types in our network.
Working Capital Loan FAQs
Questions operators ask before taking on working capital financing.
Stop Waiting on Cash Flow. Get Funded Today.
Working capital loans from $10K to $5M. One application. Funds in 24 hours.