For the everyday costs of running a business
Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Working capital financing covers the everyday costs of running your business — payroll, rent, inventory, and the gaps between paying suppliers and getting paid yourself. It's typically a lump sum or short-term facility sized to smooth cash flow, not to fund a specific large purchase.
Read the complete guide →Best for
- Covering payroll, rent, or supplier payments
- Smoothing the gap between paying out and getting paid
- Businesses that want capital without pledging a specific asset
Common uses
- Payroll and day-to-day expenses
- Seasonal inventory buildup
- Bridging a slow month
What you'll need
- Operating business with revenue
- Repayment ability
- Owner credit reviewed
- A general working-capital purpose (no single large purchase required)
At a glance
- Loan amount
- Up to $500,000
- Speed
- Often funded within a week
- Use
- Broad — no single required purpose
Working Capital Loans: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
Repaid over 3–12 months. Faster to qualify for and quick to fund, at a higher cost of capital.
Best for: Covering an immediate gap or a short seasonal dip.
Estimate your working capital loans
Move the sliders to explore. These are illustrative figures, not an offer.
Working capital is often structured as a shorter-term loan than growth or equipment financing — this estimates a lump sum with fixed payments.
Estimated monthly payment
$6,805
- Amount
- $75,000
- Total interest
- $6,658
- Total of payments
- $81,658
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.
Working Capital Loans questions
How is this different from a line of credit?
A working capital loan is a lump sum with fixed payments; a line of credit is revolving and you draw only what you need. Your advisor compares both for your cash-flow pattern.
Do I need to say exactly what the money is for?
No — unlike equipment or real estate financing, working capital covers general business needs. You'll still confirm a reasonable use of funds.
How fast can it fund?
Often within about a week once documents are in, though exact timing depends on the lender and your file.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →Equipment Financing
Finance machinery, vehicles, or equipment — the asset itself is the collateral.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.