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Working capital

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Funding speed
Within 24–48 hours
Cost
Starting at 4.5%
Repayment
Daily or weekly ACH

Start my application

An owner signing paperwork at her desk, a coffee beside the page.

Working capital

What it is, and how it repays

Working capital funds the running of the business rather than a single purchase: payroll, rent, stock, the gap between invoicing and being paid. Terms are typically short, averaging between six and twenty-four months.

It is the option that keeps growth going through a money-tight stretch, without putting a long obligation on the books.

On the climb

Where on the climb it tends to fit

Working Capital most often opens up for businesses at these 2 stages, though lenders decide case by case.

  1. 1
    Base camp · Under 1 YearThere is not much history yet, so a lender leans on what there is: the deposits going through the account, card takings, and the owner's own credit.
  2. 2
    The first ridge · 1-2 yearsA full year of statements changes the conversation. Lenders can see a seasonal pattern instead of guessing at one, and more doors open.

All five stages of the climb →

A young owner at her laptop in a greenhouse, her first season under glass.

What it gives you

Why owners pick this route

  • Short term, so it clears quickly
  • Can be funded within 24–48 hours once approved
  • Put it toward whatever the business needs
  • No out-of-pocket fees

The application

Start your application

About two minutes: the amount, your details, how long you have been trading and a rough monthly figure. Free to send, and nothing is agreed until you accept.

The application is the way in, and it takes about two minutes.

The six

All six routes, this one marked

Revenue-Based Funding

Quick and efficient access to capital.

Funding amount
$5K – $500K
Funding speed
24–48 hours

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Cost
Starting at 4.5%

Equipment Financing

Equipment for virtually any industry.

Loan amount
Up to $250K
Cost
As low as 8%

Term Loan

The classic way to fund a bigger move.

Loan amount
$20K – $1M
Interest rate
As low as 6%