What is Working Capital Loans & Lines of Credit?
A working capital loan is short-term financing that helps businesses cover day-to-day operational expenses: payroll, inventory, accounts payable, rent, etc.
| Facility/Loan Size | Loan sizes from $100K to $10M+ |
| Cost of Capital | Monthly rates of 1.25%–4% per month |
| Funding Timeline | Funding within 2–10 business days |
| Best For | Unexpected payroll shortfalls, Seasonal cash flow gaps, Rapid growth cash flow needs, New customer order financing, Accounts payable management, Bridge between funding rounds |
How It Works
Working capital funding is typically funded on a revenue-based underwriting model. They can be closed quickly – often within days – and provide essential funding for managing day-to-day operating expenses. They are typically used for help to cover payroll, fund additional inventory, address accounts payable, and more. Working capital loans ensure smooth operations amid cash flow challenges stemming from the unexpected to seasonal fluctuations.
Key Features & Benefits
Loan sizes from $100K to $10M+
Flexible terms from 6 to 48 months
Funding within 2–10 business days
Monthly rates of 1.25%–4% per month
Focus on revenue and growth potential rather than credit scores and existing assets
Fast-growing companies across all industries
Working Capital Loans & Lines of Credit - Common Questions
Get answers to the most common questions about working capital loans & lines of credit
See It In Action
Real companies using Working Capital Loans & Lines of Credit to solve their capital challenges
$1.475MM Bridge for Medical Practice M&A
A surgeon needed $1.475MM in bridge capital before closing his hospital acquisition. We funded it in 2 weeks. A lesson in mentorship and partnership.
Oct 7, 2025
How Long Does Business Financing Really Take?
Business financing timelines vary wildly. Some deals close in days, others take months. Here's exactly what to expect at each stage.
Jan 24, 2026
Subordinated Bridge for Data Center Operator
Data center company needed fast, flexible liquidity to cover construction overruns before their Q1 equity capital close.
Dec 19, 2025
Other Funding Solutions
Invoice Financing
Invoice factoring (also called AR financing) is when you sell your unpaid B2B invoices to a factor for immediate cash. Instead of waiting 30-90 days for customers to pay, you get 75-95% of the invoice value within 24-48 hours. As customers pay, the borrowing automatically decreases—making it self-liquidating.
Learn More →Equipment Leasing
& Financing
Equipment leasing lets you acquire essential machinery, vehicles, technology without large upfront capital. Monthly payments spread the cost over 3-7 years.
Learn More →Asset-Based Lending
Asset-Based Lending (ABL) is a flexible credit line that lets you borrow against your company's assets like accounts receivable, inventory, equipment, and real estate. Instead of focusing heavily on credit history, ABL lenders evaluate the value of your collateral.
Learn More →