Business Funding

Working Capital
Loans

A lump sum term loan to fund growth, cover operations, or seize an opportunity your bank is too slow to act on. Get funded and repay over a fixed term — predictable, simple, fast.

Get My Working Capital Options → (949) 229-5521

What Is It

Capital When Your
Business Needs to Move

A working capital term loan gives you access to a lump sum of cash — from $5,000 to $1,000,000 — that you repay over a fixed term with predictable payments. It's straightforward financing for businesses that know exactly what they need and want to move fast.

Use it to hire staff before a busy season, fund a marketing push, bridge a receivables gap, cover unexpected expenses, or take on a contract that requires capital you don't have on hand. No restrictions on use — if it's good for your business, it works for us.

Approvals in 24–48 hours. Funding often within days of signing. No lengthy bank process, no committee review, no 90-day wait.

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At a Glance

Loan Details

Amount $5,000 – $1,000,000

Decision 24–48 Hours

Structure Fixed term, set payments

Time in Business 2+ Years Preferred

Credit Pull Soft pull to pre-qualify

Industries All industries considered

Common Uses

What Businesses
Use It For

📈

Growth & Expansion

Open a new location, enter a new market, or scale up operations ahead of demand. Capital that moves when you do.

👥

Hiring & Payroll

Staff up for a major contract or busy season without straining cash flow. Keep your team paid and your project on schedule.

📦

Inventory

Purchase inventory at volume discounts or stock up ahead of peak demand periods. Capital that pays for itself.

🔧

Repairs & Maintenance

Critical equipment needs immediate repair but the budget isn't there. Keep operations running without depleting reserves.

🤝

Contract Fulfillment

You won the contract. Now you need capital to deliver on it. We help you fund the execution of the work you've already won.

🌊

Cash Flow Bridge

Receivables are coming but you need cash now. Bridge the gap without disrupting operations or missing opportunities.

Which Is Right for You

Compare Your Funding Options

Term loan, line of credit, or SBA — here's how they stack up side by side.

	Working Capital Term Loan	Line of Credit Revolving
Amount	$5K – $1M	$5K – $1M
Structure	Lump sum, fixed term	Revolving credit limit
Best For	One-time, defined need	Ongoing or variable needs
Decision Time	24–48 hours	24–48 hours
Repayment Term	Up to 60 months	Draw & repay as needed
Interest Charged On	Full loan amount	Only what you draw
Rate Profile	Fixed	Variable

Questions

Working Capital FAQs

A working capital loan gives you a specific lump sum that you repay over a fixed term with set payments. A line of credit gives you a maximum limit you can draw from repeatedly — you only pay interest on what you use. If you have a specific one-time need, a term loan often makes more sense. If your needs are ongoing or unpredictable, a line of credit may be better.

Working capital loans are flexible — there's no restricted use requirement for most business purposes. Payroll, inventory, marketing, repairs, expansion costs, contract fulfillment — if it serves your business, it qualifies.

Generally: 2+ years in business, documented revenue, and a business bank account. Credit is a factor but we look at the full business picture. Contact us to discuss your specific situation — requirements vary based on amount requested and business profile.

Pre-qualification within 24–48 hours of a complete application. Once approved and documents are signed, funding typically arrives within 1–3 business days. Same-day funding is possible in certain situations.

Ready for Working Capital?

Tell us what you need and we'll have an answer for you within 24 hours.

Get My Financing Options → (949) 229-5521

Working CapitalLoans

Capital When YourBusiness Needs to Move