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Customizable Working Capital Solutions

Our flexible working capital loans provide small businesses with the financial support they need to manage day-to-day expenses and drive growth.

Loan Amount

Up to $5,000,000

Time for Approval

As fast as 2hrs!

Loan Terms

Up to 24 months

Factor Rate

As low as 1.18*

Power up your business with

Secured Money Solutions

With a working capital loan you can access:

Business financing from $20,000 to $5,000,000
Terms up to 24 months
Factor rates as low as 1.18*
Automatic daily or weekly payments

Requirements to qualify

While requirements for a working capital loan may vary, your business will generally need:

6+ months in business
Minimum of $25,000 in monthly revenue
Business checking account

What our customers are saying about working with us!

“A Lifeline for Our Business”

"I can’t express how much this loan has helped my business. We were struggling with cash flow after a large client delayed payment, and I was worried we’d have to cut back on staff. Thanks to this loan, we not only kept everyone on payroll, but we also had the peace of mind to focus on growth instead of survival. The process was so easy, and the funds arrived faster than I expected!"

— Emily R., Small Business Owner

“Making Expansion a Reality”

“Expanding our business felt like a distant dream until I came across this service. Getting a loan so quickly meant we could secure our new location and bring in more clients without missing a beat. The whole process was seamless, and I didn’t have to jump through hoops like with a traditional bank. Honestly, this loan changed our business trajectory.”

— Rachel L., Fitness Studio Owner

“A Huge Relief When We Needed It Most”

“We were in desperate need of new equipment, but I didn’t know where the money was going to come from. When I found out I was approved for a working capital loan in just a few hours, it felt like a weight had been lifted off my shoulders. I could get back to focusing on my business instead of worrying about how to cover our expenses. It’s made all the difference for our future!”

— Mark S., Restaurant Owner

“Breathing Room for Everyday Operations”

“As a small business, cash flow is always a challenge, especially during slower seasons. This loan gave us the breathing room we needed to manage day-to-day operations without stress. I felt supported throughout the entire process, and the fact that I could handle everything online was such a relief. I’m so grateful for this service – it’s been a game changer.”

— Carlos M., Retail Store Owner

How does this work?

A working capital loan gives your business the monetary room to tackle challenges and grab new chances. Expand your business with extra funds.

Grow your business with additional financing:

✓ Cover unexpected cash flow gaps

Imagine a scenario where a large client delays payment, but your bills are still due. A working capital loan can help bridge that gap, ensuring your business keeps moving without disruption.

✓ Upgrade or replace critical equipment

Your essential equipment suddenly breaks down, halting productivity. With a working capital loan, you can quickly invest in repairs or new machinery, keeping operations running smoothly.

✓ Expand your business to meet growing demand

You’ve noticed an uptick in orders, but you need additional inventory or even a new location to keep up. A working capital loan gives you the resources to expand and capitalize on new opportunities without straining your current finances.

✓ Meet payroll without worry

Your team is your business’s backbone. A working capital loan ensures that you can meet payroll on time, even during seasonal dips, so your staff stays motivated and productive.

✓ For any business need

Whether it’s unforeseen expenses, a growth initiative, or just to maintain day-to-day operations, a working capital loan gives you the freedom to use the funds wherever your business needs it most.

Four simple steps to funding

Explore your options without damaging your credit score

Pre-qualify online
Click “Get Started” to pre-qualify for a working capital loan

Submit application
Once you’ve completed the application on our site, you can securely upload your last 4 months of bank statements directly through our platform.

Approval in as little as 2 hours
Your loan application will be reviewed and you can get approved in as fast as 2 hours.

Receive same-day funding
If approved, your requested loan amount can be transferred to your bank account as soon as the same business day.

Get Started

Are working capital loans a good idea for your business?

Pros

Get your approval in as little as 2 hours.
Access your funds as quickly as the same business day.
Use working capital loans for any business need, no matter the purpose.

Frequently Asked Questions

What is a factor rate?

The cost of working capital financing is presented as a factor rate to help business owners easily understand what they will be paying.Factor rate = Payback amount / Funding amountThis does not include any additional fees. For example, Credibly assesses a one-time origination fee. This fee amounts to 2.5% of the total loan amount.

What is working capital financing?

A good definition of a working capital loan is that it is money that businesses use to support daily operations. It’s the difference between current operating assets and liabilities.Maintaining healthy working capital allows you to take advantage of every opportunity and provides a safety net when needed

What is a working capital loan used for?

Working capital loans help small business owners like you meet operational expenses, such as payroll, stocking inventory, and marketing.These short-term loans can help stabilize cash flow and meet immediate business needs.They are ideal for business owners who need flexible, short-term funding without the hassle of going to a traditional bank.

How is working capital calculated?

The formula for calculating working capital is current assets – current liabilities = working capitalWorking capital is the difference between a firm’s current assets and current liabilities.Current assets are the tangible and intangible items that your company owns.Current liabilities include all of the debts and expenses firms expect to pay within one business cycle.