Working Capital Advance

A working capital advance is a lump sum of operating capital provided to your business, repaid from your future revenue rather than through fixed monthly loan installments. It is designed for the short-term, day-to-day uses that define working capital: meeting payroll on Friday when receivables land on Monday, stocking up on inventory before a busy season, or covering a supplier invoice that is due before a big customer pays.

In practice, a working capital advance is delivered through merchant cash advance mechanics: a lump sum now, a fixed total payback, and automatic daily or weekly repayment. There is no interest charged, no fixed monthly payment, and the cost is quoted as a single factor rate that is fixed on day one. This is not a loan. All funding is subject to approval and underwriting.

You apply in a few minutes with basic business information and recent bank statements. We verify your revenue and deposit patterns, and most approval decisions arrive within 24 hours. Applying requires no hard credit pull.

Your offer shows the advance amount, the factor rate, the total payback, and the repayment schedule in clear numbers. Sign the agreement and funds land in your business account, often the same or next business day. Repayment then runs automatically from your revenue, with nothing to remember or schedule by hand.

The most common uses are the unglamorous ones that keep a business alive: making payroll during a slow stretch, buying inventory at a discount before prices rise, covering a gap between finishing a job and getting paid, or repairing equipment that revenue depends on. Restaurants stock the kitchen before a holiday weekend, retailers fill shelves for a seasonal rush, and contractors float crew and materials between project payments.

The common thread is timing: the money solves a near-term operating need and the business generates the revenue to repay it. When the capital will generate or protect more than it costs, a working capital advance does its job.

A working capital advance does not charge interest. Your total payback is the advance amount multiplied by the factor rate. A $30,000 advance at a 1.25 factor rate means you repay $37,500 total, fixed from day one regardless of how long repayment takes.

Our factor rates start at 1.20, and stronger revenue with clean bank statements earns better rates. The full cost is disclosed in writing before you sign, so you can compare it honestly against what the working capital will save or earn: covering payroll beats losing staff, and stocked shelves beat empty ones.

A bank line of credit is cheaper when you can get one and when you have time to wait. Banks often take weeks to approve, require strong credit and collateral, and can freeze or reduce your line exactly when revenue dips and you need it most.

A working capital advance trades that low cost for speed and accessibility: approval in as little as 24 hours, revenue-based underwriting that looks past credit history, and no collateral pledged. The honest trade-off is price: factor rates start at 1.20, so you pay more for capital you receive in days rather than months.

Underwriting centers on revenue, not credit history. Most funded businesses have been operating for at least 1 year, average $50,000 or more in monthly revenue, and hold an active business bank account with consistent deposits. Your credit is reviewed, but a weak score alone will not disqualify you when revenue is strong.

We fund restaurants, retailers, contractors, trucking companies, wholesalers, salons, medical practices, and many other industries. Open bankruptcies and recent defaults on other advances are the main disqualifiers.