Working Capital
Access capital for day-to-day operating needs, from payroll to inventory to marketing.
Apply Now →What is Working Capital?
Working capital funding provides money for the day-to-day operating needs of your business – the ongoing expenses that keep your business running, rather than a single large investment.
How it works
From application to funding, in 4 steps.
Apply
Complete a simple online application and tell us about your business.
Review Your Options
Our team reviews your business profile and matches you to available programs.
Choose Your Offer
Compare available terms and select the option that fits your needs.
Get Funded
Complete the required documentation and receive your funds.
Who it's for
Working capital funding suits businesses managing ongoing operating costs, seasonal fluctuations, or general cash flow needs rather than one specific, large expense.
Benefits
Flexible Use
Covers general operating needs, not just one purchase.
Smooths Cash Flow
Helps manage fluctuations in revenue.
Matched to Your Situation
Structured to fit your specific cash flow needs.
Qualification & required documents
Qualification factors vary by lending partner and typically consider time in business, revenue, and credit profile. Commonly requested documents include:
Your funding specialist will confirm exactly what is needed once you are matched to a specific program.
Example scenarios
A few ways businesses put Working Capital to work.
Covering Payroll
Making sure your team gets paid during a slow month.
Seasonal Inventory Buy
Stocking up ahead of a busy season.
Marketing Push
Funding a campaign before the revenue from it arrives.
How it compares
A starting point - your funding specialist will confirm what fits your business.
| Compared To | Key Difference |
|---|---|
| Working Capital vs. Term Loan: | “Working capital” describes the purpose of the funds (general operating needs) rather than a specific product structure – your matched program might take the form of a term loan, line of credit, or other structure. |
Frequently asked questions
Industries we fund
Common funding needs this covers
Ready to explore Working Capital?
One application, matched to funding options across our lending network.