How To Get Working Capital


Complete our easy, secure online application form anytime 24 hours a day, 7 days a week.


We assess your business’s health in a few business hours and then reach out to you to discuss the best available funding options.


Once approved, you’ll receive funds deposited to your business checking account as soon as the same day.

How to Get Working Capital

Step 1

1. Apply Online

To start the application process, click the “Apply Now” button and enter some basic business information.

Step 2

2. Explore Funding Options

After your application has been processed, a Funding Specialist will reach out to discuss your funding options.

Step 3

3. Fast, Secure Funding

Once the Funding Agreement is signed, and bank verification done, funds are deposited to your business checking account, so you can use the money immediately.

How Getting Business Funding Works

Pre-Qualify With No Impact to Your Credit Score

Complete our easy online application, providing us with some basic information about you and your company. Pre-qualify in minutes without affecting your credit score.

Provide Your Business Checking Account Statements

When you submit your application, you'll include your last 4 months business checking account statements. Within a few business hours we'll let you know if you pre-qualify for business funding from $5,000 to $10,000,000.

Funds Are Deposited to Your Business Checking Account

Once the Funding Agreement is signed, and bank verification done, funds are deposited to your business checking account, so you can use the money immediately.

Growth Starts With Working Capital

Frequently Asked Questions

The minimum requirements to apply for working capital are: 

  • Have Been in Business 4 or More Months
  • 475 or Higher FICO Score
  • Business Checking Account in Business Name With at Least 4 Months History (NO personal checking accounts allowed.)
  • At Least $7,500+ in Monthly Revenue Deposits to Above Business Checking Account Each of the 4 Months Before Applying

Typically within 2 – 4 business hours of applying we will contact you to go over the funding options you have been approved for.

As with any financing, there are many factors that determine what amount and terms you are eligible for. Applying will enable us to make that decision. 

Terms Available:

Maximum Funding Amount: Up to $10,000,000

Term Length: 4 Months – 10+ Years

Capital Cost: Factor Rate as Low As 1.12; Interest Rate as Low As 8.5%

Repayment Options: Daily, Weekly, or Monthly

Get The Working Capital You Need to Grow Your Business

Working capital loans are perfect for businesses with fluctuating revenue and lower credit scores. Offering broad usage, our working capital loans provide the speed, simplicity, and flexibility you need.

Every business owner runs into the need for cash from time to time. But where do you go to get it, especially when your bank won’t even consider your request?

There is a fast and easy solution for small businesses. There is no faster, or easier way to get cash for your business. Spend the working capital any way you see fit.

Payback is easy. There are no invoices or checks to write. We get paid back with a small fixed amount auto-debited from your business checking account either daily or weekly. And unlike with traditional lenders, there’s never a prepayment penalty.

You can apply in just a few minutes and you can receive your funds the same or next day.

This is fast, flexible financing, thanks to Momentum Capital.