Bank line got declined? If you are an established business doing $60K+ a month, find out whether working capital or a line of credit fits how you spend.
Find my fitCompare your options
Working capital is one lump sum for a known need; a line covers uneven needs. Both are available through our partner, Merchant Fund Express.
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.
About 3 months of statements and a 5-minute application. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. It starts with a soft pull, and revenue carries weight.
Every offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front. No guessing.
Working capital lands in your account as one amount, and you repay it on a set schedule. A business line of credit gives you a limit you can draw from, repay and draw again. Both come through our partner Merchant Fund Express, from $25,000 to $5,000,000 for qualified businesses.
| Working capital | Line of credit | |
|---|---|---|
| Money arrives | All at once | As you draw it |
| You repay | The full amount received | What you have drawn |
| Use again? | No, apply again | Yes, as you pay down |
| Good for | A known project or expense | Timing gaps that repeat |
More on our working capital page.
See business line of credit or the seasonal line of credit page.
For illustration only. A commercial cleaning company doing $90,000 a month wins a contract that needs $70,000 in equipment and supplies before day one. That is a known amount. Working capital. The next year, the same company has a few clients paying slowly, and the gap moves around every month. Now a line fits better. The right answer changes when the problem changes.
If you answered yes to the first and no to the second, working capital usually fits. Otherwise, look hard at a line.
We serve established businesses doing $60K or more a month whose credit is not perfect. FICO 500+ is considered. Have about three months of business bank statements. No tax returns required, a soft credit pull to start, and sole proprietors can apply. Apply in 5 minutes. Funding can arrive in as little as 24 hours for qualified businesses.
Lines may weigh credit and account history a bit more, but there is no single rule. FICO 500+ is considered for both.
You can apply for a different product when your needs change. Each is reviewed on its own.
It depends mainly on your monthly deposits and existing obligations. See how much can I borrow for more.
Do not assume it. Funding and credit repair are separate services, and we do not promise any effect on your scores.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
Make either product easier to approve with these moves:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding