A working capital advance is a purchase of future revenue at a factor rate, typically 1.15 to 1.45, repaid through daily or weekly debits over 3 to 18 months. Businesses with roughly $15K or more in monthly deposits can receive $10K to $1M, often the same day they apply.
This is the fastest capital in the market, and the product where honest math matters most. It is not a loan: a funder purchases a slice of your future revenue at a fixed multiple, the factor rate, and collects it through automatic debits.
Because approval keys on your deposits rather than your credit file, it works for owners the bank already said no to. Our job is to make the true cost visible in dollars before you sign, and to route you to a cheaper product whenever one fits.
Term sheet
- Amounts
- $10K to $1M
- Cost
- Factor 1.15 to 1.45
- Term
- 3 to 18 months
- Payments
- Daily or weekly debits
- Time to fund
- Same day to 72 hours
- Typical profile
- 6+ months in business, $15K+ monthly deposits
a.The right fit
- Strong monthly revenue with a thin or bruised credit file
- Urgent payroll, inventory, or a time-boxed opportunity
- Short projects that return more than the capital costs
- Owners declined by banks who still need to move this week
b.Read before you sign
- Per year, this is the most expensive product on the ledger. Run the factor math before you commit.
- Daily debits compress cash flow. Model the payment against your slowest week, not your best one.
- Never stack a second advance on top of the first. If you are already stacked, consolidation is the exit.
c.How it funds
Apply with statements
Three to six months of business bank statements and a two minute application. Soft pull only.
See the whole cost
Your offer arrives as total payback in dollars, with the payment schedule and the annualized cost next to it.
Funds wire same day
Sign digitally and funds typically land the same business day.
d.Plain answers
Is a working capital advance a loan?
No. It is a purchase of future receivables at a factor rate, not a loan with an interest rate. That legal difference is why it can fund in hours with light paperwork, and why comparing it against APR products takes the math we show on every offer.
What credit score do I need for a working capital advance?
Deposits matter more than credit. Files under 600 fund regularly when monthly revenue is consistent. Underwriters read your bank statements: average daily balance, deposit frequency, existing advance payments, and negative days.
Can I pay a working capital advance off early?
The fee is usually fixed, so early payoff does not shrink it by default. Some funders offer prepayment discounts, and we negotiate for them up front, in writing, before you sign.
What happens if my revenue dips during repayment?
On card-split structures the payment flexes with sales. On fixed ACH structures it does not, which is why we size the payment to your slowest recent month and tell you to call your advisor at the first sign of strain, not after a missed debit.