Begin your application

Working capital

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Funding speed
Within 24–48 hours
Cost
Starting at 4.5%
Repayment
Daily or weekly ACH

Begin your application

Workers moving stock along the aisles of a warehouse, seen from above.

Working capital

What it is, and how it repays

Working capital funds the running of the business rather than a single purchase: payroll, rent, stock, the gap between invoicing and being paid. Terms are typically short, averaging between six and twenty-four months.

It is the option that keeps growth going through a money-tight stretch, without putting a long obligation on the books.

The gate it goes through

Your sales: the money still to come in

The first gate

Your sales

The money still to come in.

Repaid from the takings as they arrive, so it leans on how steadily customers pay rather than on years of history.

Suits a business with strong, regular card or invoice income.

All three gates →

A long commercial street of shops and signs, people crossing.

What it gives you

Why owners choose it

  • Short term, so it clears quickly
  • Funded within 24–48 hours once approved
  • Use it wherever the business needs it
  • No out-of-pocket fees

The application

Begin your application

A few minutes: the amount, how to reach you and a few questions about the business. No charge to apply, and nothing is agreed until you accept an offer.

The application is the way in, and it takes about two minutes.

The six

All six programmes, this one marked

Term Loan

The classic way to fund a bigger move.

Loan amount
$20K – $1M
Interest rate
As low as 6%

Equipment Financing

Equipment for virtually any industry.

Loan amount
Up to $250K
Cost
As low as 8%

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Cost
Starting at 4.5%

Revenue-Based Funding

Quick and efficient access to capital.

Funding amount
$5K – $500K
Funding speed
24–48 hours