Financing guide

Working capital funding for small businesses

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

Start my free funding request

Free to use
No obligation
Not a lender
Our form 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.
Asset-based lending secured by receivables, inventory, or equipment.

How a referral works

01

Tell us about your business

Answer a few short questions: revenue, funding amount, industry, time in business, state, and how to reach you.
02

We review your request

We review every request. If one or more independent funding partners may be a fit, we refer it to them so they can contact you directly, and we email you the name of each partner we send it to.
03

Review any offer and decide

If a funding partner approves your request, it sets the rates, terms, and timing. You review its offer and decide, with no obligation to accept.

Working capital requirements: what funding partners look at

Each funding partner sets its own requirements, and meeting them doesn’t guarantee approval or funding.

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 may have different, sometimes more flexible, requirements than a traditional bank loan, 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. Each funding partner decides what, if anything, to 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. The same free form works for all three, so you don’t need to choose before you start.

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.

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

Invoice factoring

Sell outstanding B2B invoices to a funding partner so you can get paid on them before your customers pay, instead of waiting 30–90 days.

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

Need to close a cash-flow gap?

Tell us about your deal in about two minutes. It’s free, and there’s no obligation.