Working Capital
A lump sum with a fixed payment and a clear payoff date.
- Amount Range
- $25,000 – $5,000,000
- Min. Time in Business
- 1 year
- Min. Credit Score
- 500+
- Typical Funding Speed
- 24 - 48 hours
Overview
Sometimes you don't need a program, you need money. A term loan drops a lump sum into your account with a fixed weekly or monthly payment and a defined term, so you know exactly what it costs before you sign. We use these for crew expansion, mobilization costs, licensing and bonding, shop buildouts, and cleaning up messy short-term debt.
Best Used For
- Mobilizing a crew for a large new contract
- Hiring and training techs ahead of season
- Consolidating daily-payment advances into one payment
- Shop, yard, or fleet improvements
How It Works
- Step 1One-page application
Four minutes online plus six months of bank statements.
- Step 2Compare real offers
We shop your file across our funding network and lay the offers side by side.
- Step 3Funded
Sign electronically and receive funds in as little as one business day.
What You'll Need
- 1+ year in business
- $200,000+ annual revenue
- 500+ personal credit score
- 6 months of business bank statements
Rates from 9% APR on bank-grade files; higher on shorter, faster paper.
Apply for Working Capital
Soft credit pull. No application fee. Answer in 24 hours on most files.
Other Programs
Ready to put capital to work?
Tell us what you run and what you need. A specialist who knows your trade calls you back within one business hour.