Financing guide

Working capital funding

Flexible short-term funding for when your business needs cash flow but doesn’t have a specific purchase order or invoice to finance against.

See if you qualify

Free to use
No obligation
Checking won’t affect your credit

What businesses use it for

Making payroll through a seasonal slowdown
Stocking inventory ahead of a busy season
Bridging the gap between paying suppliers and getting paid
Covering an unexpected repair or expense
Taking on a growth opportunity before the revenue arrives

Common types of working capital

Depending on your business, funding partners may offer:

Short-term business loans repaid on a fixed schedule.
Business lines of credit you draw on as needed.
Revenue-based financing repaid as a share of future revenue.
Asset-based lending secured by receivables, inventory, or equipment.

How getting matched works

01

Tell us about your business

Answer our short qualifier: revenue, funding amount, industry, time in business, and state.
02

We match you to funding partners

We connect you with independent funding partners suited to your profile and need.
03

Compare offers and decide

Partners set out their terms. You compare them and choose, and you’re never obligated to accept.

What funding partners look at

Time in business. Longer operating histories open more options.
Revenue and cash flow. Usually shown through recent bank statements.
Credit history. Your business credit, and sometimes the owner’s.
Industry. Some partners specialize in particular sectors.

Comparing offers

Costs and terms vary widely between products and funding partners. Before you sign, compare the total cost of the funding, the repayment schedule, and any fees or prepayment terms. Consider asking your own advisor to review the agreement.

We don’t charge you for a referral. See our disclosures for how we’re paid.

Working capital FAQ

How is this different from a bank loan?

Funding from alternative providers is often faster to arrange than a traditional bank loan and may have more flexible requirements, but it can also cost more. Compare the total cost and repayment terms of any offer before you accept.

Do I need collateral?

It depends on the product and the funding partner. Some working capital options are unsecured, while others are secured by business assets such as receivables, inventory, or equipment. Some also ask for a personal guarantee.

How much can I get?

Amounts depend on the funding partner and on your business, especially your revenue, cash flow, and time in business. Partners will tell you what they can offer after reviewing your information.

What if I do have a purchase order or unpaid invoices?

Then purchase order financing or invoice factoring may suit you better, because they are based on a specific transaction. Answer our qualifier and we’ll point you toward the right fit.

Other ways to fund your business

Purchase order financing

A funding partner pays your supplier directly so you can fulfill a confirmed order without tying up your own cash.

Best for: signed POsBusinesses holding a signed PO from a creditworthy customer.

Invoice factoring

Turn outstanding B2B invoices into cash now instead of waiting 30–90 days to get paid.

Best for: B2B invoicesBusinesses with steady, recurring B2B invoices.

Need cash flow now?

Two minutes of questions, then we match you with funding partners suited to your business.