A working capital loan is short-term financing designed to keep your day-to-day operations running smoothly. Rather than funding a long-term investment, it covers the everyday costs of doing business — payroll, rent, inventory, marketing, and the gaps that appear when revenue and expenses don't line up.
When a working capital loan makes sense
- Seasonal swings. Bridge slow months and stock up before your busy season.
- Payroll protection. Never miss payroll while you wait on customer payments.
- Inventory & supplies. Buy in bulk, take supplier discounts, fulfill a big order.
- Growth opportunities. Open a location, launch a campaign, or hire ahead of demand.
- Emergencies. Cover an unexpected repair or expense without draining reserves.
Benefits
- Same-day funding available on many programs.
- No collateral required — it's based on your revenue, not your assets.
- Terms up to 10 years on qualifying products for lower payments.
- Amounts up to $5 million.
- No minimum credit score on many revenue-based options.
How to qualify
| Requirement | Typical minimum |
|---|---|
| Time in business | 4+ months |
| Monthly revenue | $10,000+ gross sales |
| Credit score | No minimum on many programs |
| Paperwork | Signed application + 4 months bank statements |
Working capital loan vs. line of credit
A working capital loan gives you a lump sum up front with a set repayment schedule — best when you know exactly how much you need. A line of credit gives you a revolving limit you draw from as needed, paying interest only on what you use — best for recurring or unpredictable costs. Many businesses use both. When you apply, your advisor will help you pick the right structure at no cost.
Top industries we fund
Healthcare, restaurants, retail, auto repair, construction and contracting, trucking and logistics, professional services, wholesale and manufacturing — and many more. If your business has steady deposits, there's likely a program for you.