Established businesses doing $60K or more a month can apply based on revenue, even if personal credit lags behind the operation.
See my optionsWorking Capital
Working capital is a lump sum for everyday needs, offered through our partner, Merchant Fund Express, from $25,000 up to $5,000,000.
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.
Qualified businesses can be funded in as little as 24 hours. Expect a 5-minute application and about three months of statements, with no tax returns.
FICO 500+ considered, a soft pull to start, and your monthly deposits weigh heavily in the review.
Before you accept, your offer shows the full repayment amount. No surprise costs appear after you sign.
The repayment schedule is in your offer up front, so you can line it up against slow and busy months.
A commercial cleaning company lands a new office park contract. Supplies, uniforms, and new hires come first. The first invoice gets paid 45 days later. Nothing is wrong with the business; the timing simply runs against it. That gap between paying out and getting paid is where working capital earns its place.
Working capital is usually a lump sum delivered to your business account and repaid over a set schedule. Unlike equipment financing, it is not tied to a single asset, so you can apply it across several needs at once. Specific terms depend on the file and are presented by Merchant Fund Express before you accept anything.
For illustration only: an owner with $90,000 in monthly deposits who needs $60,000 to staff up for a new contract might use working capital to carry payroll until that client's first payment lands. This is an example, not a quote or a term.
Many owners who come to Eagle have a personal score that took a hit years ago, often during a hard stretch they have long since moved past. The business recovered; the report did not. This program is built for established businesses doing $60K or more a month, and the review leans on deposits and consistency. FICO 500 and up is considered. Read more in how revenue offsets credit.
A 5-minute application, a soft credit pull to start, and about three months of business bank statements. No tax returns required. Sole proprietors can apply. For qualified businesses, funding can arrive in as little as 24 hours.
When you are ready, apply here.
Not quite. Working capital is typically a single lump sum. A business line of credit is a revolving limit you draw from as needed.
It is meant for legitimate business purposes such as payroll, inventory, materials, marketing, or expansion. It is not intended for personal expenses.
Requests from $25,000 to $5,000,000 are considered, depending on revenue and the overall file.
Funding and credit repair are separate. You should not count on funding to change your score.
Merchant Fund Express, our funder, reviews the file and provides the funding.
Usually it makes sense to request what the plan in front of you calls for. Matching the amount to a clear purpose, like a contract, a hiring push, or a seasonal build, makes the request easier to review and keeps repayment in line with what the business brings in each month. If needs come and go, a line of credit may suit you better.
Example uses for illustration only.
Working capital reviews lean on how cash moves through the business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding