# Working Capital Loans

> Fast, flexible funding to cover payroll, inventory, and day-to-day operations — often the same day.

## Key takeaways
- Working capital loans provide $5K to $500K to cover payroll, inventory, and day-to-day operations, often funding within 24–48 hours.
- They are repaid over 3 to 24 months with fixed, predictable payments and require minimal paperwork — usually just 3–6 months of bank statements, no tax returns.
- Approval is based largely on recent revenue and bank deposits, so businesses with less-than-perfect credit that banks turn down can still qualify.
- Getting matched does not require a hard credit pull.

When you need cash quickly to cover payroll, restock inventory, or smooth out a slow month, a short-term working capital loan gets funds in your account fast — often within a day — with far less paperwork than a bank loan.

## How it works

Short-term business loans are repaid over **3 to 24 months** with fixed, predictable payments. Because approval is based largely on your recent revenue and bank deposits rather than just credit score, businesses that banks turn down can still qualify.

## Best for

- Covering an immediate cash-flow gap
- Buying inventory ahead of a busy season
- Bridging the time until a larger SBA or bank loan closes
- Businesses with steady deposits but less-than-perfect credit

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Canonical: https://hoss-capital.pages.dev/products/working-capital/