Cash flow gaps shouldn't slow your growth.
Working capital loans give you fast access to funds for payroll, inventory, equipment repairs, marketing, or any operational need. Approvals can come in as little as 24–48 hours.
Working Capital Loans at a glance
- Loan amounts
- $25,000 – $5,000,000
- Term length
- 3 months – 5 years
- Typical pricing
- Roughly 8% – 30% APR depending on profile
- Funding speed
- 24 – 72 hours to funding
- Credit guidance
- Typically 600+ FICO; revenue matters more
Key Benefits
- Funding from $25K to $5M+
- Approvals in as little as 24 hours
- Minimal paperwork compared to banks
- Use funds for any business purpose
Best Fit For
- Seasonal businesses smoothing cash flow
- Owners turned down by traditional banks
- Companies preparing for a big opportunity
- Service businesses with timing gaps
Why use a broker instead of going to your bank?
Banks often decline or take weeks. We tap a network of specialty lenders to find competitive rates fast — and structure the loan around your real cash flow, not a rigid template.
Learn more about working with a brokerHow working capital loans compare
We broker every product on this list, so this comparison is about fit — not about steering you toward one option.
Compared with
Business line of credit
A working capital loan is a one-time lump sum with a fixed payoff schedule. A line of credit is revolving — you draw only what you need and pay interest only on the balance.
Compared with
Merchant cash advance
Working capital loans use an interest rate and set term. An MCA buys future receivables at a factor rate and is repaid as a percentage of daily sales, usually at a much higher effective cost.
Compared with
SBA 7(a) loan
SBA offers far lower rates and longer terms but takes 30–90 days and requires extensive documentation. Working capital loans fund in days.
Working Capital Loans: frequently asked questions
How fast can I get a working capital loan?
Most working capital approvals come back within 24 hours and funds land in your account in one to three business days. Larger requests that need full financial review can take about a week.
What credit score do I need for a working capital loan?
Many lenders in our network start around a 600 FICO, and some go lower when revenue and bank deposits are strong. Business performance and consistent cash flow usually outweigh personal credit.
What documents are required?
Typically three to six months of business bank statements, a simple application, and a photo ID. Requests above roughly $500,000 usually add tax returns, a P&L, and a balance sheet.
Can I use a working capital loan for anything?
Yes. Payroll, inventory, marketing, repairs, taxes, hiring, and bridging a slow season are all standard uses. There are no line-item restrictions like you would see with SBA 504 financing.
Do I need collateral?
Many working capital loans are unsecured or backed only by a general UCC filing on business assets. A personal guarantee is common, but pledging real estate is usually not required.
Will applying hurt my credit?
Prequalification with our lending partners is generally a soft pull. A hard inquiry only happens when you move forward with a specific offer, so you can compare options first.
More answers on the business financing FAQ and in the commercial lending glossary.
Other financing solutions
Commercial Real Estate Loans
Purchase, refinance, or build commercial properties with structures matched to your project.
Bridge Loans
Move quickly on opportunities while you arrange long-term financing.
Business Acquisition Financing
Finance the acquisition of an established business, partner buyout, or franchise.
Ready to explore working capital loans?
A 15-minute conversation is all it takes to know if this is the right fit. No obligation.