The gap every growing business knows
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.
How working capital generally works
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.
Common uses we hear from owners
- Hiring ahead of a busy season
- Buying materials for a large job before the deposit clears
- Covering a stretch while a big customer pays slowly
- Opening a second location or expanding hours
- Marketing push before a seasonal peak
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.
Why revenue carries the weight
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.
What you will need
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.
Frequently asked questions
Is working capital the same as a line of credit?
Not quite. Working capital is typically a single lump sum. A business line of credit is a revolving limit you draw from as needed.
Can I use working capital for anything?
It is meant for legitimate business purposes such as payroll, inventory, materials, marketing, or expansion. It is not intended for personal expenses.
How much working capital can I request?
Requests from $25,000 to $5,000,000 are considered, depending on revenue and the overall file.
Will working capital improve my credit score?
Funding and credit repair are separate. You should not count on funding to change your score.
Who reviews and funds the request?
Merchant Fund Express, our funding partner, reviews the file and provides the funding.
Should I request more than I need, just in case?
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.