Borrow up to
Repay up to
Simple monthly
rates start at
Simple online app that takes five minutes - no impact on your credit 1
Approvals are based on the overall strength of your business, not just credit
Enjoy a seamless funding experience without having to pledge assets or collateral
Decision in as little as
Funds as soon as
Provide basic info about yourself and your business, and attach a few supporting documents.
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We'll update you with a decision in as little as two (2) hours and reach out to review your eligible offer(s) with you.
Lock in your offer details, upload a few pending closing items (if needed), and then e-sign your loan documents.
Complete your unique bank verification to verify your bank account and funds are deposited as soon as the same day.
Check out this quick checklist to see if your business is a good fit for Working Capital.
FICO
500+
Time in Business
6+ months
Monthly Revenue
$5,000+
Business must be based in the US
More Details
Six (6) months business bank statements
Driver's licensefront & back
What is revenue-based working capital?
Revenue-based Working Capital is a type of business funding where you receive a lump sum of cash and repay over a predetermined period of time. Unlike a traditional bank, there are no maintenance or late fees, and you can have funds as soon as the same day.
This product is ideal for businesses with little or no assets, borrowers with low/challenging credit profiles, or businesses that need cash now.
What businesses are eligible?
We look for businesses that have been open for at least six (6) months, have a personal credit score of 500 or more, and are based in the US. Working Capital is available in all 50 states, however, some restrictions may apply. Most industry types are eligible - see the full list.
How long does it take to get an approval?
You can find out if you’re approved in as little as two (2) hours after you apply.
Does applying affect my credit score?
Our lender partners will conduct a soft pull, meaning your score will not be affected. For businesses organized as sole proprietors or general partnerships, the lender may perform a hard pull only once you’ve received and accepted your offer.
Do I need to pledge collateral?
No, Revenue-based Working Capital is unsecured financing and is ideal for businesses without many assets. For clarification, this typically means that you are not required to pledge collateral, however, lenders may still place a UCC lien on the general assets of the business. Well, what exactly is a UCC Lien? This establishes the lender as a lien holder for legal purposes and alerts other future lenders that you have an outstanding debt, which helps you avoid getting over-leveraged in the future.
How are payments calculated?
Your payment amount is intended to be manageable based on your application. As part of our transparency, we provide a Holdback Percentage (also referred to as a Specified Percentage) with each offer letter. This value represents the impact of your payment amount on your cash flow.
For example: if your business averages $50,000 in monthly revenue, and your Holdback Percentage is 4%, your payment will be $500.
How does repayment work?
Payments are processed automatically according to your arrangement either on weekdays, weekly, 2x week, bi-weekly, or monthly.
Can I repay my balance early?
Yes! In fact, many of our lender partners incentivize early repayment by offering early repayment discounts.
Can I get additional outside funds?
Taking on additional funding, or stacking, can negatively impact your credit line and may lead to the Lender putting a hold on your account. We kindly ask that you reach out before applying for funding elsewhere by visiting our contact us page or contacting your account manager.
Can I access more funds after my initial loan?
Many of our lender partners offer additional funding as early as 25% (typically 40-50%) into repayment. Commonly referred to as a renewal, lenders may offer incentives such as reduced or 0% origination costs on additional funding. Eligibility is based on your cash flow, net income, and payback history.
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While applying for and reviewing an offer will not impact your credit score, accepting an offer may result in a formal inquiry. Rest assured, you will be notified in advance if this were to occur.
All product names, logos, and brands used throughout the Website are for identification purposes only. Programs, loan amounts, rates, and terms vary based on creditworthiness, and economic landscape, among other factors, and are subject to change.
