Working Capital Loans
$25,000 to $500,000, funded in 24–48 hours
Short answer: A working capital loan is short-term business financing — $25,000 to $500,000 repaid over roughly 3 to 18 months — used to cover day-to-day expenses like payroll, inventory, and cash-flow gaps. Decisions typically come within 24–48 hours with a soft credit pull only.
Cover payroll. Buy inventory. Bridge a cash-flow gap. Get the money your business needs to keep running — without waiting three weeks for a bank decision. Fundmerica is a financing marketplace, not a lender: one application matches you to working-capital offers across 75+ funding sources with a soft credit pull only.
See what you qualify for — it takes about 2 minutes
No obligations and no hard credit pull. Decisions in as little as 24 hours.
Apply Online → or call (888) 490-3126
What Is a Working Capital Loan?
A working capital loan is short-term business financing designed to cover day-to-day operational expenses — not long-term investments. You borrow a lump sum, get it deposited in your business account fast, and repay on a fixed schedule over 3 to 18 months.
When to Use a Working Capital Loan
- Payroll gaps — you have contracts on the way but payroll is Friday
- Inventory buildup — peak season is approaching and you need to stock up
- Seasonal cash flow — revenue is down for the quarter, fixed costs aren’t
- Unexpected expenses — equipment breakdown, emergency repairs
- Growth opportunities — a new customer or contract needs upfront investment
- Debt consolidation — roll multiple small loans into one payment
Working Capital Loan Terms
| Feature | Typical Range |
|---|---|
| Loan amount | $25,000 – $500,000 |
| Term length | 3 – 18 months |
| Rate (APR) | 8% – 30% |
| Speed | 24 – 48 hours |
| Credit minimum | 550+ |
| Time in business | 6 months+ |
| Monthly revenue | $10,000+ |
Who Qualifies?
You can qualify if your business has:
- 6+ months of operational history
- $10,000+ in monthly revenue
- 550+ personal credit score
- A business bank account
- No unresolved tax liens or bankruptcies
Newer businesses or those with lower credit can still qualify — we match you to specialized funders, including term loans, a line of credit, or SBA loans if they fit better. Comparing a cash-advance offer? Use our free calculator to see a factor rate’s true APR before you accept.
Working Capital FAQ
What’s the difference between a working capital loan and a business line of credit?
A working capital loan is a lump sum with fixed repayment. A line of credit is revolving credit you draw from as needed and only pay interest on what you use.
Do I need collateral?
Most working capital loans under $250,000 are unsecured (no specific asset pledged), though a personal guarantee is typical.
What if I have bad credit?
Revenue-based working capital options are available for credit scores as low as 500, with the decision driven by your bank deposits rather than your FICO.
How fast can I get funded?
Most working-capital products fund in 24–48 hours after approval, with some funding the same day.
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Funded
See your working-capital options in minutes with a soft credit pull — no impact to your score. Call (888) 490-3126 or apply now.
Working Capital Loan Requirements
Most working capital lenders look at three things: time in business (6+ months), monthly deposits ($10K+ per month into the business account), and recent bank activity (3 months of statements, few negative days). Credit score is a pricing factor more than a gate — files in the 500s get approved on strong deposits. No tax returns or collateral for most amounts.
How Fast Is “Fast”?
With statements ready, a typical timeline is: same-day application, decision within 24 hours, funds in 24-48 hours after acceptance. A line of credit takes about the same to open and then draws are instant — which is why many owners open one before the crunch. For payment math on any offer, use the business financing calculator.
Related Reading
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See what you qualify for in minutes — soft credit pull, no FICO impact. $10K–$500K, funded in 24–48 hours from 75+ sources.
- Soft pull only
- $10K–$500K
- 24–48 hr funding
- No obligation
Prefer to talk? Call (888) 490-3126 — no obligation.