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