What is working capital financing?
Working capital is the money you use to run day-to-day operations — paying staff, buying inventory, covering rent, and managing receivables. When cash is tied up in growth or slow-paying customers, working capital financing provides short- to medium-term funds to keep operations moving.
Common uses for working capital
- Payroll and contractor payments during slow seasons
- Inventory purchases before peak demand
- Marketing campaigns and new location build-outs
- Equipment repairs and fleet maintenance
- Bridging gaps between invoicing and customer payment
Working capital program types
We broker multiple structures so you are not locked into one product:
- Merchant cash advance — revenue-based remittance tied to deposits
- Business line of credit — draw only what you need, pay interest on usage
- Term loans — fixed payments over 6–60 months on select credit profiles
- Invoice / AR financing — advance against outstanding receivables
How to qualify
Most programs require an active U.S. business, business checking account, and verifiable revenue. Minimum time in business and deposit volume vary — businesses with challenging credit may still qualify when revenue is strong.