Working Capital Loans

Short Term Working Capital Loans / Cash for Any Business Need

We offer Short Term Working Capital Loans which are perfect for business owners requiring cash quickly. These are real loans which help establish and or build business credit and are less costly than merchant cash advances (MCAs) or receivables factoring. The most common uses for short term working capital loans include: buying inventory, test a new marketing campaign, add employees, resolve emergencies or take advantage of an immediate discount or opportunity in the market. Access to fast capital is essential for growing businesses, their survival often depends on it. Bank loans can take weeks while our working capital loans can literally fund within a couple days. When immediate necessity happens don’t get caught trying to scrape money together from family and friends; once you are approved for your first loan, you can take out another loan whenever needed even if you wait for months or the following year, the ability to borrow will be there just like a credit line.

Key points include:

  • Capital available from: $5,000 to $250,000
  • Term: 6 – 24 months
  • Fast approval in hours and funding within 2 days
  • Simple 1 page credit application and 6 months bank statements required
  • Can generally borrow 8 – 20% of your annual gross revenues or more
  • Fixed daily payback (no variable payments) deducted via ACH each workday

Customer minimum qualifications:

  • Only 1 year time in business
  • 500 FICO credit score of owner
  • Must have commercial location
  • Yearly sales revenue of $100,000+ (average monthly bank deposits should be $8,300)
  • A past bankruptcy must be at least 2 years old

This is a great program for getting cash very quickly and easily for any immediate business need. This is much faster than any commercial loan and with more flexible requirement criteria which most businesses are able to meet. To apply for approval please submit a credit application and your current 6 months business bank statements (all pages) and we will update you within 24 hours.