Working Capital
Flexible funding to stabilize cash flow, cover operating needs, manage payroll, and support execution — without disrupting day-to-day business operations.
Overview
Working capital financing provides the liquidity businesses need to manage day-to-day operations, bridge cash flow gaps, and capitalize on time-sensitive opportunities. Unlike growth capital, working capital is designed for operational continuity — covering payroll, inventory, accounts payable, and short-term obligations while your receivables cycle catches up. Our working capital programs are structured around your business's cash conversion cycle, revenue patterns, and operational needs. Whether you need a revolving line of credit for ongoing flexibility or a term facility for a specific operational need, we engineer the structure to match your business reality.
Ideal For
- Businesses with seasonal cash flow fluctuations
- Companies bridging gaps between invoicing and payment collection
- Operators managing rapid inventory buildup for large orders
- Businesses covering payroll during growth or transition periods
- Companies with strong revenue but slow-paying customers
- Operators seeking to take advantage of vendor discount opportunities
- Businesses managing short-term operational gaps during expansion
Eligibility & Requirements
Key qualification criteria for this financing program.
Financing Structures & Terms
Flexible structures engineered around your business performance and capital needs.
Revolving Line of Credit
A flexible credit facility that allows you to draw, repay, and redraw as needed. Ideal for ongoing operational needs with variable cash flow requirements.
Accounts Receivable Financing
Advance against outstanding invoices — typically 70-90% of receivables value. Converts slow-paying customers into immediate liquidity without waiting 30-90 days.
Invoice Factoring
Sell outstanding invoices to a factoring company at a discount for immediate cash. The factor collects directly from your customers.
Merchant Cash Advance
Advance against future credit card or debit card sales. Repayment is a fixed percentage of daily sales — flexible and aligned to revenue.
Short-Term Term Loan
Fixed-amount, fixed-term loan for a specific operational need. Predictable payments and defined payoff timeline.
Asset-Based Line of Credit
Credit facility secured by business assets — inventory, equipment, or receivables. Higher advance rates than unsecured lines for asset-rich businesses.
Execution Process
A clear, structured path from inquiry to funding.
Submit Application
Provide business financials, bank statements (3-6 months), and a brief description of your working capital needs.
Review & Approval
Our team reviews your cash flow, revenue patterns, and business profile. Preliminary approval typically within 24-72 hours.
Term Sheet & Documentation
Receive a term sheet with facility size, rate, term, and conditions. Execute documentation and complete compliance review.
Funding
Funds deposited directly to your business account. Revolving lines are available to draw immediately upon closing.
Key Benefits
- Immediate liquidity without equity dilution
- Flexible draw and repayment on revolving structures
- Preserves long-term credit capacity for growth capital
- No disruption to existing vendor or customer relationships
- Faster approval than traditional bank financing
- Structures aligned to your cash conversion cycle
- Available to businesses with limited credit history
Compliance & Documentation
- KYC/AML verification for all business owners (25%+ ownership)
- 3-6 months business bank statements
- Most recent business tax returns (1-2 years)
- Business license and entity documentation
- Accounts receivable aging report (for AR-based structures)
- Personal guarantee may be required depending on structure
Ready to Apply?
Submit your application and our team will respond within 24–48 hours with next steps.
Start ApplicationSubmit Documents
Upload financial statements, tax returns, and supporting materials securely.
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Schedule a confidential capital call to review your business, funding needs, and timeline.
Schedule a Capital CallRegulatory Disclaimer: Business financing information provided herein is for informational purposes only and does not constitute a commitment to lend or a guarantee of financing. All financing applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, and applicable state commercial lending laws. Loan terms, rates, and availability are subject to change without notice. Full legal disclosures →