Working capital funding is short-term capital for the operating needs that can't wait: payroll, inventory, suppliers, repairs, marketing pushes, and seasonal swings. Reviews are revenue-based, so healthy deposits matter more than a perfect credit score.
What owners use working capital for
- Payroll protection — never miss a payroll because a big invoice paid late
- Inventory buys — take the bulk discount or stock up before the season
- Bridging receivables — cover the gap while net-30/60 customers pay
- Repairs & replacements — fix the truck, oven, or HVAC the same week it breaks
- Growth sprints — hire, launch the campaign, take the bigger contract
How the review works
Underwriting reads your last 3–4 months of bank statements: deposit frequency, average daily balance, negative days, and existing obligations. Strong banking can outweigh a mid-600 score — which is exactly why owners declined by banks still get funded here. Curious what underwriters actually compute? Read How Lenders Read Your Bank Statements.
💡 Sizing rule: most working capital offers land between 80%–150% of monthly revenue. Requesting inside that band speeds approval; requesting 5× revenue stalls it.
Working capital vs. the other programs
If your revenue runs through card sales and you want maximum speed, compare a revenue based financing. If you're funding a longer-term project and want a fixed payment, look at a business term loan. One short form covers all three — you don't have to pick before applying.
Typical profile
- 3–6+ months in business
- $10K+ monthly revenue through a business bank account
- Mid-600 credit or an improving profile — see the 650 score guide
- Funding need tied to a real operating purpose
Cover the gap before it becomes a crisis
60-second form, revenue-based review, no credit pull to start.
Check My Funding Options