Working Capital Loans
A lump sum with a fixed payment and a known payoff date. The predictable middle ground: cheaper than an advance, far faster than a bank, and simple enough to budget around from day one.
At a glance
Fixed payments, known payoff, no surprises
A working capital loan is the straightforward one: borrow a set amount, repay it in equal installments over a set term. You know the total cost, the payment amount, and the payoff date before you sign anything.
It usually beats an advance on cost. Because it carries a schedule and leans a little more on credit, funders price it lower. If your revenue is steady and your credit is at 600 or better, this is often the offer to take.
Terms run 6 to 24 months. Longer terms shrink the payment, shorter terms shrink the total cost. Your advisor will run both directions with real numbers so you can see the trade.
What businesses use it for
- Expansion: a second location, a build-out, new hires ahead of revenue.
- Bulk inventory buys: supplier discounts that only make sense with cash in hand.
- Equipment and repairs too small or too urgent for equipment financing paperwork.
- Consolidating dailies: replacing stacked daily-payment obligations with one predictable weekly payment.
| Loan amount | $100,000 |
| Term | 12 months |
| Payment frequency | Weekly |
| Payments | 52 equal payments |
| Total cost of capital | Fixed, disclosed up front |
| Early payoff | Discount on remaining cost |
Compare it against an advance
Qualify for both and we will show you the two offers side by side, total dollar cost included, so the cheaper path is obvious.
Start your applicationWho it's for, honestly.
A good fit if you
- Have steady monthly revenue and can budget a fixed payment
- Are funding a project with a defined cost and timeline
- Have 600+ credit, it unlocks pricing an advance can't touch
- Want to consolidate daily-debit obligations into one payment
Look elsewhere if you
- Have strongly seasonal revenue, a fixed payment fights your slow months
- Need funds today, an advance funds faster
- Want ongoing access rather than one lump sum, that's a line of credit
- Can qualify for SBA and afford to wait, it will cost less
What you'll need.
12+ months in business
Term loans reward operating history. Under a year, ask us about advance options.
$15K+ monthly revenue
Steady deposits across recent bank statements, enough to carry the fixed payment comfortably.
600+ FICO
This product leans on credit more than an advance. At 650+, pricing improves again.
Working capital FAQ.
Know your payment before you borrow.
Fixed terms, disclosed costs, funding in one to three days.