Working Capital

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Working Capital Funding

As long as your business is showing revenue, you can tap into working capital funds to grow your business.  It’s one of the most popular business expansion tools because it is the easiest to qualify for.


What is a Working Capital Loan?

A working capital, bridge loan, or merchant cash advance is not technically a loan. With this product, you are advanced cash in exchange for a percentage of your daily credit card and debit card sales, or your monthly revenue. Working Capital can be a quick and easy way to get a business cash advance with no need for collateral, even if you don’t have a good credit score.

Working Capital Bridge Loan Details

Maximum loan amount

$5K - $5M

loan term

3 - 18 Months

Factor Rate

1.10 - 1.45


As Fast As Same Day

Working Capital Pros vs Cons



How Does a Working Capital Loan Work?

Working capital funding or a merchant cash advance is the preferred option for many businesses that need fast access to capital. Whether you’ve come across a growth opportunity that’s too good to pass up or you need capital to cover the equipment that finally bit the dust, a working capital loan has you covered. And you can often get funded in just 24 hours.

Once the funds are advanced to you, you’ll repay the loan by having a percentage of your daily credit card deposits withheld for the funder.

Who Qualifies for Working Capital?

Would your business be eligible for working capital or merchant cash advance?

If you have little or no collateral, limited business history, or a low credit rating, merchant cash advances could be a solution to your financing problems.

Merchant cash advance providers tend to have easy eligibility standards, so most small businesses shouldn’t have a problem qualifying.


For businesses that make a big portion of their revenue through credit card payments—if you own a restaurant or a retail store, for example—then you can use a merchant cash advance as a short-term financing tool. It can help with working capital, inventory purchases, debt payments, unexpected payments, and more.

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Working Capital Requirements

Annual revenue

Over $125K

Credit Score

Over 500+

Time In business

6+ Months



* Note: These working capital requirements are based on previous Upwise customers and is just an average.

What Does Working Capital Cost?

Let’s look at how you can calculate the actual cost of a merchant cash advance.

A Cost Example of a Working Capital Product

Say you’re advanced $20K with a factor rate of 1.18.

$20K multiplied by 1.18 is $23,600, which is what you’ll need repay with your daily credit card transactions.

At first glance, that might seem like you’re just paying a 18% interest rate—but looks can be deceiving.

You have to determine the true cost of the merchant cash advance by its APR.

If your funder will be taking 15% of your future credit card sales and you’re estimating $25K a month in credit card transactions, you’d repay that advance in 189 days with daily payments of $125.

That’s an APR of 65.96%—quite a bit higher than it originally looked.

When is the Cost Worth It?

Merchant cash advances, while fast and convenient, tend to be worth their price only if you’re confident you can repay them quickly and without much harm done to your cash flow.

Just be sure to shop around and see if you can qualify for other types of loans before moving forward with a merchant cash advance.

How to get Working Capital?

We make it easy, simply apply online and we’ll be in touch to go over your options.

Working Capital Loan


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Documents You'll Need to Apply

  • Completed Application
  • Driver’s License
  • Voided Business Check
  • Business Bank Statements (Last 6 Months)
  • Credit Score

You may also be requested to provide the following for larger dollar amounts over $100K:

  • Balance sheet
  • Profit & Loss Statements
  • Business Tax Returns
  • Personal Tax Returns
  • Account Receivables Report (if securing AR)
  • Inventory List (if securing inventory)

*See above for business line of credit requirements. 

Working Capital Funds

can be used for 

When you need fast cash, your options are often limited. After all, traditional funders aren’t usually known for their rapid payouts. You can hedge your bets by taking the traditional route and waiting months or weeks for loan approval…or you can get a working capital loan or merchant cash advance.  This type of financing enables you to borrow against future earnings and get the cash you need when you need it.

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