Working capital

Fast working capital for businesses with steady revenue

Working capital looks at a business’s bank deposits more than its credit score. For owners who need money quickly and can’t wait on a bank, it’s often the fastest path to funding.

Book your demo call What to say

$5K to $1.5M: typical funding amount
Funded in 1 to 3 days: typical timeline
30%: of the commission is yours when it funds

Great fit for

Restaurants, retail, contractors and service businesses
Owners who need capital fast without bank paperwork
Seasonal inventory, payroll gaps and growth opportunities

Typical requirements

Established business with regular bank deposits
Consistent monthly revenue in bank statements
Any credit score considered

Listen for

When you hear this, make the introduction.

"The bank turned me down."

"I need to buy inventory before the season."

"Cash is tight this month, but sales are strong."

What to say

A talk track that works

Keep it simple and honest. You never need to promise an approval or explain the terms. Our funding team does that.

Working capital talk track

"A lot of business owners I work with need capital but don’t want to deal with a bank. There’s a funding option that looks at your revenue more than your credit score. Most clients get funded in 1 to 3 days. Would that be helpful for you or someone you know?"

Example

A boutique owner used $40,000 to take a bulk-discount inventory buy ahead of the holidays. The discount alone covered most of the financing cost, and the season’s sell-through did the rest.

Good to know

Speed and flexible approval usually cost more than a traditional bank loan. Our funding team walks every client through the total cost and terms before they accept any offer.

All funding is subject to lender review and approval. Ranges and timelines are typical and can change.

Other products you can refer

Same-day approvals in most cases