Working Capital for small business.
Working capital is flexible commercial financing used to support day-to-day operations, growth, inventory, projects, timing gaps, and other operating needs. Depending on the financing program and agreement, working-capital structures can differ materially in pricing, duration, repayment mechanics, and underwriting. Whatever the structure, its material terms are in writing before you sign.
Revenue-Based Financing · One structure within the working capital family: remittances that can scale with business deposits, depending on the agreement.
How working capital works
You apply with basic business details. Underwriting reviews revenue stability, time in business, and the purpose of funds. If approved, you receive one or more offers laying out every term in writing. For qualifying transactions, funds may be available as soon as 1–3 business days after approval and completion of all requirements.
How this product is structured
The written offer and financing contract contain the economic terms that apply to this structure — including the total repayment where the structure establishes one — before you commit.
Typical profile
- At least 6 months in business
- $15,000+ in monthly revenue
- Business bank account in the company name
- Government-issued ID
Requirements vary by product, provider, and overall business profile.
What shapes your terms
No single number decides an offer. Underwriting weighs how these factors combine on your file:
- Revenue level and deposit consistency
- Time in business and industry
- Existing obligations and payment history
- Collateral or guarantees, where the structure uses them
- Documentation completeness and overall file quality
- The structure itself — pricing mechanics differ by product
Who working capital fits
Working capital fits operators funding the everyday engine of the business: inventory, marketing pushes, payroll bridges, renovations, and timing gaps. Structures vary, and the right one depends on how cash actually moves through the business.