WC · Financing
Accepting applicationsWorking capital funding, often in 1 to 3 business days
General-purpose money for the everyday running of the business — payroll, stock, a seasonal gap — repaid out of ordinary trading.
- Amount
- $10k – $250k
- Funded in
- 1 – 3 business days
- Term
- 3 – 18 months
- Priced as
- Factor or fixed rate, set per file
- Min. trading
- 6 months trading
Illustrative ranges. Your actual amount, rate and term depend on your business and are set when you apply.
What a Working Capital is
Working capital financing is general-purpose funding for the everyday running of the business — payroll, inventory, a seasonal gap — repaid out of ordinary trading over a short term.
It is fast, often funded in 1 to 3 business days, and light on paperwork. The trade-off is that short terms mean high payment amounts even at a fair rate, so it is best used for a gap you can clearly repay from near-term revenue, not for a long-term investment.
How it works
- 1Apply with statements
Three months of bank statements is the core of the file.
- 2Same-week decision
Funding typically lands within 1 to 3 business days.
- 3Repay from trading
A short 3 to 18 month term, cleared out of ordinary revenue.
Who it is a fit for
Payroll, inventory and short gaps where the money is needed now and repaid out of ordinary trading.
The fastest money is rarely the cheapest. Short terms mean high payment amounts even at a fair rate.
What you will need
The full checklist is built from your answers in the application — you are never asked for a document that does not apply to you. For a Working Capital, the document that does the work is: Three months of bank statements. Most files are complete with around 8 documents in total.