Working Capital
Need Fast and Flexible Funding For Your Business?
What is Working Capital Financing?
Working capital financing is a type of short-term business loan designed to help you cover everyday operating expenses and keep your business running smoothly. Unlike traditional bank loans that can take weeks or months to approve, working capital loans are built for speed and flexibility.
When your business needs immediate cash to handle payroll, purchase inventory, cover rent, or take advantage of a growth opportunity, a working capital loan provides the quick infusion of funds you need. These loans typically range from $5,000 to $500,000 and are repaid over 3 to 18 months, making them perfect for short-term financial needs.
Why Choose Working Capital Loans?
Fast Approval Process
Get approved in as little as 4 hours with funding deposited directly into your business account within 24-48 hours.
Flexible Qualification
We look beyond credit scores. Even with a score as low as 500, you may qualify based on your business revenue and bank activity.
Simple Documentation
No mountains of paperwork. Just basic bank statements, a government-issued ID, and proof of business ownership.
No Collateral Required
Many of our working capital loans are unsecured, meaning you don't need to put up business assets or property.
Use Funds for Anything
Unlike restrictive traditional loans, use your working capital for any legitimate business expense.
Manageable Repayment
Choose daily, weekly, or monthly payment options that align with your business cash flow.
How working capital Financing Works
1. Apply Online – Submit a quick application, it only takes a few minutes.
2. Review & Approval – Receive approval within 24–48 hours.
3. Choose Your Terms – Customize loan terms that fit your business.
4. Receive Funds – Funds are deposited directly into your business bank account.
How to Use Your Working Capital Loan
🟢 Manage Cash Flow Gaps – Bridge the gap between paying suppliers and receiving customer payments
🟢 Cover Payroll – Ensure your employees are paid on time, every time
🟢 Purchase Inventory – Stock up for busy seasons or take advantage of bulk discounts
🟢 Handle Unexpected Expenses – Cover equipment repairs, emergency costs, or urgent business needs
🟢 Fund Marketing Campaigns – Launch promotions to attract new customers and grow revenue
🟢 Seasonal Business Needs – Prepare for peak seasons when you need extra capital
🟢 Rent and Utilities – Keep your operations running by covering essential overhead costs
🟢 Business Expansion – Open a new location, hire staff, or invest in growth opportunities
🟢 Take Advantage of Opportunities – Act quickly on time-sensitive business deals
Call 805-819-ROCK or tap “Apply Now” to get started
Why Partner With Us?
Unlike traditional banks that can take weeks to process your application and often decline small business loans, we specialize in fast, flexible working capital solutions. Our team understands that business opportunities and challenges don't wait for lengthy approval processes. We've helped thousands of business owners access the capital they need to grow, manage cash flow, and seize opportunities. Our dedicated funding specialists work with you personally to understand your needs and customize financing that fits your business model. With transparent pricing, no hidden fees, and straightforward terms, we make business financing simple and stress-free. From your initial application to your final payment, we're here to support your success.
FAST, EASY, RELIABLE
10,000+
Business Served
$2 billion+
Funds Delivered
Customer Reviews
Frequently Asked Questions (FAQ)
1. How quickly can I get funded?
Most businesses receive funding within 24-48 hours of approval. In some cases, same-day funding is available for qualified applicants who apply early in the day.
2. What if I have bad credit?
We accept credit scores as low as 500. We focus on your overall business health, including revenue, bank deposits, and time in business, not just your credit score.
3. Is collateral required?
Many of our working capital loans are unsecured, meaning no collateral is required. Some programs may require a personal guarantee, which is simply your commitment to repay the loan.
4. How much does a working capital loan cost?
Costs vary based on loan amount, term length, and your business qualifications. We use transparent pricing with factor rates or APRs clearly disclosed before you accept any offer. There are no hidden fees.
5. Can startups qualify?
Yes! While most programs require 3-6 months in business, some of our partners work with startups that have been operating for as little as 1 month with strong revenue.
6. How do repayments work?
Repayment structures vary by loan type. Options include daily ACH debits, weekly payments, monthly installments, or a percentage of credit card sales. We'll work with you to find terms that match your cash flow.
7. What industries do you work with?
We fund businesses across 300+ industries including retail, restaurants, healthcare, construction, professional services, e-commerce, manufacturing, and more. Contact us to discuss your specific industry.
8. Can I get additional funding later?
Yes! Once you've repaid 50-60% of your original loan and maintained good payment history, you may qualify for additional working capital at better terms.
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