Working capital & lines of credit
Working capital to keep things moving.
Cover payroll, buy inventory, take on a big job, or get through a slow season. Depending on your revenue and credit, that could be a term loan or a revolving line of credit.
Check my options →Seasonal gaps
Draw in slow months, pay down when business picks up.
Inventory and supplies
Stock up ahead of demand or take a supplier discount.
Growth
Hiring, marketing or a large contract before it pays.
Typical terms
- Loan size
- Commonly $25K to $500K+
- Term
- 6 months to 5 years, or revolving
- Speed
- Some lenders fund in days
- Cost
- Varies widely. Compare the total cost, not just the payment
General market ranges, not an offer. The lender sets final terms.
What you'll need
- ✓Last 3 to 6 months of business bank statements
- ✓Most recent business tax return
- ✓Basic details on revenue and existing debt
Common questions
What's the difference between a term loan and a line of credit?+
A term loan gives you a lump sum you repay on a schedule. A line of credit lets you draw what you need, when you need it, and you pay interest only on what you use.
How fast can I get working capital?+
Some lenders fund within a few days. Faster money usually costs more, so we'll show you the tradeoff.
Will you push me toward a merchant cash advance?+
No. If an advance is the only option on the table, we'll tell you what it costs in plain terms so you can decide.
Ready to see your options?
Get funded →