Working Capital Funds

Take advantage of an 85% approval rate - act now!

Conquer New Horizons: Working Capital Bridge Funds Your Next Frontier

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What is a Working Capital?

Working capital funds, often referred to as a bridge loan, or merchant cash advance is not a loan.  Instead of a standard loan structure, it involves receiving an upfront cash advance in exchange for a percentage of your daily credit card and debit card sales or monthly revenue. The unique aspect of working capital is that it can provide a swift and hassle-free method to obtain a business cash advance, without requiring collateral, even if your credit score is not ideal.

Unlike conventional loans, a working capital fund doesn’t follow the typical repayment terms based on fixed installments. Instead, the remittance is directly tied to a portion of your business’s sales or revenue, making it more flexible and aligned with your cash flow. This arrangement allows you to remit the advance at a pace that corresponds to your business’s performance.

Whether you need to cover immediate expenses, manage inventory, or seize growth opportunities, working capital funding can offer a convenient solution. By bypassing the need for collateral and considering your sales or revenue as the repayment source, this financing option provides accessibility for businesses that may not meet the requirements of traditional loans.

Working Capital Funding Details

TIME

3 -24 Months

speed

As Fast As Same Day

Factor Rate

1.10 - 1.45

MAX FUNDS

$5K - $25M

Working Capital Pros vs Cons

PROS

Quick & Simple Application Process

Low Credit Score Accepted

Prepayment Discounts for Early Payoff

CONS

Annual Costs Can Be Higher than Traditional Loans

Can Be Shorter Length Compared to other Loan Options

May Require A Personal Guarantee

How do Working Capital Funds 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, working capital funds has you covered. And you can often get funded in just 24 hours.

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

Who Qualifies for a Working Capital Financing?

Would Your Business Benefit From Working Capital?

Working Capital financing from Upwise Capital is designed to provide flexibility to a wide range of business types and situations. We understand that every growing company has unique needs and circumstances.

If your financing needs involve:

  • Maintaining daily operations and covering regular expenses
  • Improving cash flow during seasonal fluctuations
  • Bridging gaps between purchase and payment cycles, or longer term financing
  • Financing marketing initiatives or inventory purchases

And your business:

  • Has been in operation for at least 6 months
  • Generates at least $200,000 in annual revenue
  • Accepts major credit cards as a form of payment

Then working capital financing may be able to help, even if your business:

  • Is newer with limited financial history
  • Faces cash flow constraints due to credit or personal factors
  • Needs funding without using traditional collateral

By focusing on your business operations, cash flow, and payment processing, we strive to provide accessible financing solutions to companies in expanding industries. Contact an advisor today to explore if a working capital loan is the right fit.

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

Working Capital Requirements

Industry

any

credit score

over 500+

Annual revenue

over $200K

time in business

6+ months

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

Gain Access to Funds That Support Growth with Working Capital Funds

Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Nothing But HempNothing But Hemp
20:13 08 Mar 24
Donna EssnerDonna Essner
20:45 06 Mar 24
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Merideth CannMerideth Cann
02:30 21 Feb 24
Leo provided a very quick turn around and is a pleasure to work with !
Alba De La CruzAlba De La Cruz
01:16 17 Jan 24
I worked with Leo. He is very attentive and professional.
Mohamed KhanaferMohamed Khanafer
22:37 02 Nov 23
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
Tammy SockwellTammy Sockwell
11:09 06 Oct 23
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast... funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,Upwiseread more
Sharon JohnsonSharon Johnson
14:57 18 Jul 23
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
Mike MaffeiMike Maffei
14:40 20 Jun 23
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc... went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.read more
Niyetroshia ThomasNiyetroshia Thomas
15:17 06 Jun 22
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work... week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!read more
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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 remit with your daily credit card transactions.

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 remit that advance in approximately 189 days with a daily remittance of $125.

You can also remit the advance on a weekly or bi-weekly options, if the funder offers that and if you qualify. 

When is the Cost Worth It?

Merchant cash advances are fast, convenient, require little documentation and are great for those with a poor credit rating.  They tend to be worth their price only if you’re confident you can remit them quickly and without much harm done to your cash flow.

Apply for Working Capital Funds Now.

Stay ahead of the curve - get access today!

Get in touch now and tap into working capital funds whenever your cash flow requires it.

Name(Required)

Documents You'll Need to Apply

Driver’s License

Voided Business Check

Business Bank Statements (Last 4 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

Sometimes business opportunities or unexpected expenses require fast access to funds. While conventional loans have lengthy approval cycles, you may not want to delay pursuing opportunities or solving problems. That’s where a working capital loan shines – it provides the cash flow flexibility to respond quickly without red tape.

Rather than waiting weeks or months, our streamlined application evaluates your business’s financial health and payment processing. If approved, funds can be in your account in as little as 1-3 business days. Best of all, repayment is simple through agreed-upon daily or weekly deductions based on a percentage of your card sales or bank deposits. This innovative model lets you borrow against future earnings and optimize your cash flow on your terms.

Why Upwise for a Working Capital Financing

Quick & easy application

Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your funding type and you could have funds deposited into your account as soon as 24 hours.

Ensure you make the wise choice

Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.

Access multiple financing options

Upwise has an extensive product suite and a network of 100+ funders. This means you're more likely to find the best match for your funding needs.

business funding