For the everyday costs of running a business
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 →At a glance
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.
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
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.
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.
No — unlike equipment or real estate financing, working capital covers general business needs. You'll still confirm a reasonable use of funds.
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.
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Revolving access to capital you draw and repay as cash flow requires.
Learn more →Finance machinery, vehicles, or equipment — the asset itself is the collateral.
Learn more →One application, every option compared. No fee, no obligation, no credit impact.