Lines of credit, term loans, invoice factoring — matched to the lender most likely to fund your deal. Built by commercial finance veterans.
We match your business profile to the product and lender that makes the most sense — based on revenue, credit, industry, and how fast you need the money.
The most flexible working capital product. Draw what you need, pay interest only on what you use, replenish as you repay. Ideal for businesses with recurring cash flow gaps — inventory cycles, payroll timing, or seasonal dips.
A lump-sum advance repaid over a set schedule — typically 6 to 24 months. Best for a specific, predictable need: marketing campaign, equipment repair, hiring, or a defined expansion project where you know the cost upfront.
An advance against future revenue, repaid as a percentage of daily or weekly bank deposits or card receipts. Faster approval than term loans, credit score is less critical, but cost is higher. Best for high-revenue businesses that need immediate capital.
Sell unpaid invoices to a factoring company for 70–95% of face value upfront — then collect the remainder (minus the fee) when your customer pays. No debt on your balance sheet. Best for B2B businesses with slow-paying clients and strong invoice volume.
Working capital isn't just for emergencies. These are the most common funded uses in our pipeline.
Bridge a cash flow timing gap between invoices clearing and payroll due. The most time-critical use case — fast funding matters.
Stock up for a busy season, take advantage of bulk pricing, or fill a large order you can't pre-fund from operating cash.
Restaurants, retailers, and tourism-related businesses regularly use working capital lines to bridge the off-season.
Fund a paid acquisition campaign, hire a sales rep, or launch a promotion when you know the ROI but not the timing.
A broken piece of equipment can shut down operations. Working capital covers urgent repairs faster than any other product.
Hire ahead of a new contract, open a second location, or bridge to the next revenue milestone without waiting for SBA approval.
Working capital lenders focus on cash flow over credit score. Bank statements are the primary underwriting document. Here's what they look at.
Tell us your revenue, credit score range, and how much you need. We'll match you with the products and lenders most likely to approve your deal — and tell you upfront if the numbers don't work.
Working capital is the highest-volume product in our pipeline. These are the business types that use it most — and that we have the most lender matches for.
Payroll gaps, inventory, seasonal swings — working capital is a staple for food operators.
Holiday inventory, supplier prepays, lease obligations. Lines of credit fit the retail cash cycle perfectly.
Inventory, paid ads, and fulfillment timing gaps. Revenue-based financing fits high-volume online sellers.
Invoice factoring and working capital lines are standard tools for owner-operators and small carriers.
Bridge payroll and material costs between contract milestones and draws.
Law firms, agencies, and consultancies use working capital lines to manage slow invoice cycles.
Landscaping, tourism, ice cream shops — a working capital line is the off-season survival tool.
Insurance reimbursement timing creates predictable cash gaps — working capital bridges them.
Both products serve small businesses, but they're built for different situations. Here's the honest breakdown.
| Working Capital | SBA Loan | |
|---|---|---|
| Time to fund | 24 hrs – 5 days | 45–90 days |
| Loan amount | $25K – $500K | $25K – $5M+ |
| Min. credit score | 600+ | 680+ preferred |
| Min. time in business | 6 months | 2 years preferred |
| Repayment term | 6–24 months | Up to 10–25 years |
| Monthly payment | Higher (shorter term) | Lower (longer term) |
| Collateral required | Usually none | Business + personal assets |
| Documentation burden | 3–6 months bank stmts | 2–3 yrs tax returns, P&L, more |
| Best for | Speed, flexibility, cash flow | Large capital, long-term projects |
Takes under 3 minutes. Soft credit pull only. We'll match you with the right product and lender and follow up within one business day.
No hard credit pull to pre-qualify · No obligation · Response within 1 business day
Industry-specific working capital guides with deal sizes, approval criteria, and use-of-funds for your sector.
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Earn referral fees when your clients get funded. $25K–$5M+, all 50 states, no exclusivity.