Working Capital Loan
What is a Working Capital Loan?
A working capital loan provides short-term funding to cover your business's day-to-day operational costs. Whether you need to make payroll, restock inventory, invest in marketing, or hire new team members, a working capital loan gives you the financial flexibility to keep your business running smoothly without tapping into long-term savings or equity. These loans are designed for speed and simplicity, with quick approvals and fast funding so you can address immediate needs without delay.
Loan Details
Max. Loan Amount
Up to $1M
Loan Term
6 – 8 months
Interest Rates
Min 1.15% factor rate
Speed of Funding
24 hours
Loan Requirements
Monthly Deposits
$15K+
Credit Score
500+
Time in Business
6+ months
Pros
- Fast capital when you need it
- Faster than traditional bank loans
- Retain full ownership of your business
- No collateral required
- Financial flexibility for daily operations
Cons
- Shorter duration not ideal for long-term needs
- Factor rates can be higher than traditional interest
- Harder to qualify with poor credit history
How To Apply for a Working Capital Loan
With our simple online application, the process is quick and easy.
Prequalify Online
Complete our quick online application to see if you prequalify for working capital.
Online Approval
A Fundingverse consultant reviews your application and walks you through next steps.
Receive Secure Funding
After approval, funds are deposited directly into your business bank account.