Funding solutions
Working Capital Loans
Working capital financing covers the everyday costs of running your business, such as payroll, inventory, rent and supplies, when cash coming in lags behind cash going out. It is designed for speed and is underwritten mostly on your recent revenue.
Check your Working Capital options
Working Capital may be a good fit if…
- You need money in days to cover a gap or an opportunity
- Your credit is fair but your revenue is steady
- You want minimal paperwork
- You have a short-term need, not a 10-year project
Consider something else if…
- Want to borrow only as needed? A line of credit may cost less. See Business Line of Credit
- Strong file and time to wait? SBA financing is cheaper long-term. See SBA Loans
Requirements
What lenders typically look for.
These are common guidelines across our lender network, not hard cutoffs. Your advisor will tell you where you stand.
| Time in business | Usually 6+ months |
|---|---|
| Revenue | Often $10K+ in monthly deposits |
| Credit | Lower scores considered |
| Documents | 3–4 months of bank statements, ID |
How it works
How Working Capital work with WellRounded
Apply in minutes
Share basic details and connect or upload recent bank statements.
Review offers
Your advisor walks you through amount, term, payment schedule and total payback.
Accept
Choose the offer that fits and sign electronically.
Funds arrive
Money is often deposited within one to three business days.
Costs
How Working Capital are priced.
Short-term working capital is usually more expensive than bank or SBA financing because it is faster and relies on revenue rather than collateral. Some products use a factor rate (a fixed total payback) instead of an interest rate. We always show the total payback and estimated APR so you can compare honestly.
‡ Ranges shown are typical and illustrative, not an offer of credit. Final amounts, rates and terms are set by the lender.
Calculator
Estimate your payment.
Estimates for illustration only, not an offer of credit. Your actual rate, term and fees are set by the lender and depend on your business.
Industries that often use Working Capital
How fast is working capital funding?
Many working capital products fund within 24 to 72 hours of approval, as long as bank statements and ID are provided promptly.
Can I get working capital with bad credit?
Often yes. These products focus on revenue and deposit history, though lower credit usually means higher cost.
What is a factor rate?
A factor rate is a multiplier that sets a fixed total payback, for example 1.25 times the amount funded. It is not the same as an APR, so we convert it for comparison.
Are payments daily or weekly?
Some working capital products use daily or weekly payments. Others are monthly. You will see the schedule before you accept.
Ready to explore Working Capital? See your options today.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor