Working Capital Loans

Working Capital Loan

With a Working Capital Loan your business is given an up-front lump sum of cash that is based on your business’s future sales.
Though not technically a loan by the standard definition, this is a great option for businesses that have fluctuating revenue, lower credit scores, and need access to cash quickly. WCL provides the speed, simplicity, and flexibility you need.
Because this is not a loan, there is no APR or compounded interest associated with this product. Instead, borrowers agree to pay a fixed percentage in addition to the amount provided.
WCLs typically provide rapid financing without requiring a strong business credit history. You pay back the WCL with daily or weekly automatic payments (ACH debits) taken out of your business checking account.
WCLs are a perfect way for business owners who need flexible, short-term funding to grow their business without having to make tough decisions as to how they should allocate. With shorter payment periods and flexible usage, our working capital solutions provide speed, simplicity, and versatility to meet the funding needs of small businesses. Funds are automatically deposited into your business bank account with repayments already set up, so you can focus on running your company.

Loan Size

$5,000 – $10MM 

Term Length

2 – 24 months

Factor Rates

As low as 1.12

Payment Frequency

Daily or Weekly 

Funds In

2 – 4 hours


Minimum FICO


Time In Business

6 months

Monthly Revenue



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