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 lender.

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