A lump sum for known costs, a line for the surprises. Built for established businesses doing $60K+ a month.
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Working capital and business lines of credit are both available through our partner, Merchant Fund Express, so you can fund the plan and the curveballs.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five minutes to apply, around three months of statements, no tax returns. Qualified businesses can fund in as little as 24 hours.
FICO 500+ is considered, we start with a soft pull, and steady monthly revenue earns real weight.
Each offer shows the full repayment amount up front. There are no surprise costs after you sign.
Your repayment schedule is set out in the offer, so you can budget around it from day one.
Here is the simplest test. If you can write the dollar amount on a napkin and say what it buys, working capital is usually the cleaner fit. If the honest answer is "it depends on what the next three months throw at us," a line of credit often fits better. Experienced operators tend to know which situation they are in.
Working capital is a single amount delivered up front for operating needs: payroll during a slow stretch, inventory ahead of a season, materials for a commercial contract. You receive the full amount and repay under the schedule in your agreement. Read the working capital page for common uses.
A business line of credit sets a limit you can draw against. You pay on what you have drawn, and as you repay, that room typically becomes available again. It is a reserve rather than a delivery. More on the business line of credit page and the seasonal line of credit page.
| Working capital | Line of credit | |
|---|---|---|
| Funds arrive | All at once | As you draw |
| Owed on | The full amount | Only what is drawn |
| Reusable | No, a new request each time | Typically yes, as you repay |
| Best for | One defined need | Recurring or unpredictable needs |
For illustration: a restaurant owner doing $75,000 a month needs to replace a hood system and restock after a closure. That is a defined number, so working capital fits. A wholesale supplier doing $250,000 a month whose large customers pay on 45-day terms faces a new gap every few weeks. A line gives that owner a reserve to lean on without reapplying.
Both owners had credit scores lower than they wanted. Both applied based on revenue, since FICO 500+ is considered and credit repair is a separate service they could pursue on their own.
The review is similar for both. Funders want to see consistent monthly deposits, how the average balance holds up, whether there are returned items, and what other obligations already draw on the account. For a line, the credit profile may carry a little more weight because the reserve stays open over time. For a lump sum, the focus sits squarely on whether the deposits support the amount requested. Our guide to what funders look at walks through each item.
Through our partner Merchant Fund Express, requests run from $25,000 to $5,000,000. Expect a 5-minute application, a soft credit pull, and about three months of business bank statements. No tax returns required. Funding can arrive in as little as 24 hours for qualified businesses. Start here.
You can apply for a different product later. Funders will review your file and any existing obligations at that time.
FICO 500+ is considered. Our page on the credit score for a business line of credit explains how the review weighs it.
Not necessarily. Compare the full terms of each offer rather than assuming.
Sole proprietors can apply for either product.
Example uses for illustration only.
Whichever route you take, a tidy account makes the review smoother.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding