Financing
Working Capital
Financing intended to support day-to-day operations, payroll, seasonal cycles and short-term cash flow gaps.
What is working capital?
Working capital financing supports the ordinary operating needs of a business rather than a single long-term asset. It is often considered when receivables, seasonality or growth create a timing gap between money going out and money coming in.
What it is commonly used for
- Payroll and operating expenses during slower periods
- Bridging the gap between invoicing and payment
- Seasonal inventory and staffing cycles
- Marketing, hiring or expansion costs
Who it may fit
Operating businesses with revenue in place that need short-term flexibility rather than a long-term asset purchase.
Factors that may affect eligibility
- Revenue history and deposit activity
- Time in business
- Existing business obligations
What information is typically needed
Generally, basic business details such as legal business name, industry, time in business, approximate annual revenue, the amount of financing you are seeking and how you intend to use it. A financing source may request additional documentation during its own review.
What happens after you submit a request
Your financing request is reviewed and, where appropriate, may be matched with or referred to a financing source. That source conducts its own qualification process and communicates available options, terms and next steps. Submitting a request does not guarantee an offer or approval, and all financing is subject to applicable qualification criteria.
Questions to ask before choosing a financing option
- What information is typically needed?
- Generally, basic business details such as legal business name, industry, time in business, approximate annual revenue, the amount of financing you are seeking and how you intend to use it. Financing sources may request additional documentation during their review.
- What factors may affect eligibility?
- Requirements vary by financing source and product, but commonly considered factors include time in business, revenue, the intended use of financing, business and ownership credit profile, and the type of financing requested.
- What happens after I submit a financing request?
- Your request is reviewed and, where appropriate, may be matched with or referred to a financing source for further evaluation. That source conducts its own qualification process and communicates available options, terms and next steps.
- Does submitting a request guarantee financing?
- No. Submitting a request does not guarantee an offer or approval. All financing is subject to review and the qualification criteria of the applicable financing source.
Ready to Explore Your Financing Options?
Tell us what your business needs and get started with a simple financing request.