Working Capital Business Loans.

Working Capital Loans are designed to cover short-term operational expenses — things like payroll, inventory, marketing, or bridging cash flow gaps during slower periods. They're ideal when you need flexible funding to keep operations running smoothly without committing to a long-term loan.

What they're NOT suited for: major equipment purchases, real estate, business acquisitions, or any expense that will take years to pay off. If the need outlasts the repayment term, then a Working Capital Loan is not the right fit.

Ask yourself: Is this expense short-term or long-term? If you need a solution for a short-term need, like to cover payroll, stock up on inventory, or manage a seasonal dip, a Working Capital Loan is a great fit.

However, if you're looking to buy equipment, or if you're investing in real estate, or making major upgrades or renovations to your location, a Working Capital Loan is not the right funding solution. Working Capital Loans are built to solve immediate, operational needs — not to fund long-term assets.

Not sure which type of funding fits your situation? Use our Use Case Analysis to help you determine which funding option is best for you.

Absolutely. While traditional lenders heavily weigh credit scores, our position is that your credit score has absolutely no bearing on your ability to repay a loan. Our Working Capital Loans focus on your business’ cash flow and overall financial health. If your business generates consistent revenue and has a solid track record, you will qualify.

Our goal is to provide funding solutions that are accessible and realistic, even for businesses with less-than-perfect credit. Plus, Working Capital Loans can help you establish a credit history by demonstrating responsible repayment, making future funding even easier to obtain.

Not necessarily. And this is one of the most misunderstood comparisons in business funding. When comparing a multi-year repayment term with a short-term repayment, of course, the short-term option will appear more expensive. In reality, the cost of traditional funding works out to be very comparable, and in some cases, even more expensive than the shorter-term alternative.

When you add up the compounding interest, fees, collateral requirements, and personal guarantees, most small business owners end up with depleted credit scores and an increased debt-to-income ratio that ties up their future borrowing power, putting their businesses in a very vulnerable position.

On the other hand, short-term loans are designed to address immediate needs and provide a financial safety net, ensuring you have the agility to adapt to unexpected challenges without being overleveraged.

The real question isn't "which is cheaper?" The question that should be asked is, "which is right for what I need?" Matching the funding to the need is what keeps your business healthy.

Short-term funding often comes with higher payments than long-term loans, which can seem intimidating at first. However, what many business owners don’t realize is that Working Capital Loans are designed to be the most affordable financing option available. Unlike traditional fixed-payment loans, Working Capital Loans are revenue-based, meaning payments adjust according to your business’s cash flow.

Each month, your repayment is calculated as a fixed Specified Percentage (usually around 15%) of your gross monthly revenue, ensuring that you always retain 85% of your income to cover operating costs. If your revenue decreases, you can request a reconciliation to adjust your payment accordingly—something you’re legally entitled to do every 30 days.

Since these loans are unsecured and often don’t require a personal guarantee, funders have every incentive to ensure your business remains successful and profitable. They win when you win—making Working Capital Loans an incredibly flexible and sustainable solution for managing short-term expenses.