Who should consider working capital financing?

Businesses with steady revenue streams that need fast access to capital are ideal candidates. It's particularly well-suited for companies that want to invest in growth without traditional debt structures, experience seasonal revenue cycles or delayed payments, or need capital without pledging equity or collateral.

What are the types of working capital financing?

Two primary structures exist: term-based financing, where you receive a lump sum and repay on a fixed schedule tied to your cash flow outlook, and revolving credit access, a flexible credit line you draw from as needed with repayments based on usage and available cash flow.

What are some real-world examples?

A construction company wins a new contract but hasn't been paid for the last one — working capital bridges the gap for materials and payroll. A wholesale distributor needs to place a bulk order before peak season but prior shipments aren't collected yet. A manufacturer lands a big order but needs to fund production before prior receivables arrive.

How can working capital financing help my industry?

Construction firms cover upfront costs while waiting on contract payments. Wholesale and distribution companies manage large bulk purchases and supplier payments. Transportation and logistics businesses maintain stable cash flow for fuel, maintenance, and route expansion. Manufacturers support equipment needs and large production runs.

How quickly can I receive working capital?

Many of our working capital programs fund within 24-48 hours of approval. Timeline depends on the program structure and documentation readiness, but speed is a hallmark of this solution.

Private Credit

Working Capital Financing

Keep your business running and growing with working capital solutions designed to smooth cash flow gaps and fund day-to-day operations.

Quick answer

Working capital from $50K to $5M sized to your revenue cycle, not a template. Some programs fund in 48 hours. See the revenue and time-in-business thresholds you need to clear.

Get working capital priced

Two quick steps. An advisor responds within 24-48 hours.

Cash Flow Gaps Stall Growth

Seasonal revenue swings, slow-paying customers, and growth investments all create cash flow challenges. Working capital financing keeps your operations humming while you scale.

How Can You Use It?

Bridge cash flow gaps between contract payments — especially common in construction and professional services

Place bulk inventory orders ahead of peak season before prior shipments have been fully collected

Fund production runs when large orders arrive but receivables from the last job haven't cleared

Onboard drivers, prep vehicles, or expand delivery routes without waiting on outstanding invoices

How It Works

Share Your Needs

Tell us about your cash flow situation and capital requirements. We'll identify the right solution.

Get a Custom Solution

We structure working capital around your revenue cycle — not a one-size-fits-all template.

Receive Funds Quickly

Fast funding to keep your operations moving. Some programs fund in as little as 48 hours.

Why Choose This Solution?

Unlock Capital Without Assets

Qualify based on your cash flow and revenue performance — no collateral required for many programs.

Payments Tied to Revenue

Repayment structures flex with your revenue cycle, so payments stay manageable during slower periods.

Preserve Ownership

Fund growth without sacrificing equity or bringing in outside investors.

No Usage Restrictions

Deploy capital wherever your business needs it most — payroll, inventory, marketing, or operations.

Terms & Structure

Indicative program guidance, not a lender offer. Independent capital providers determine eligibility, pricing and closing conditions. A term sheet is not an unconditional funding commitment.

Amounts$50K – $5M+

Terms3 – 24 Months

Rates8% – 25%

Funding Speed48 Hours – 4 Weeks

CollateralUnsecured Options Available