Get Financing
Working Capital & Lines of Credit
Revolving and term capital for payroll, inventory and growth
Unsecured and lightly secured capital for operating businesses. Draw only what you need on a revolving line, or take a term advance for a defined project — funded on revenue and deposit history rather than real estate collateral.
- Loan size
- $25K – $5M
- Term
- 6 – 60 months
- Structure
- Revolving line or term note
- Funding
- As fast as 2 – 5 days
Best used for
- Bridging receivables and payroll gaps
- Seasonal inventory buys
- Marketing, hiring, and expansion spend
- Refinancing expensive short-term advances
What we will need
- Six months business bank statements
- Year-to-date P&L and balance sheet
- Business debt schedule
- Two years tax returns for larger requests
Programs in Working Capital
Working Capital Loan
Fund payroll, inventory, receivables, and growth without pledging real estate.
- Rate
- 11% – 24%
- Origination
- 0 – 3 pts
- Term
- 6 mo – 5 yr
- Turnaround
- 1 – 7 days
Start this application →
Business Line of Credit
Revolving capital you draw only when you need it.
- Rate
- 9.50% – 18%
- Origination
- 0 – 1.5 pts
- Term
- 1 yr – 3 yr
- Turnaround
- 3 – 14 days
Start this application →
How the process works
- Step 1
Pre-qualify
Average monthly revenue and deposits set the initial sizing.
- Step 2
Apply
Working capital module — no property or appraisal required.
- Step 3
Approve
Offers typically return within one to three business days.
- Step 4
Fund
E-sign and receive proceeds by wire or ACH.
Frequently asked
Will this hurt my credit?
Most pre-qualifications are soft-pull; a hard pull happens only at final underwriting.
Can I pay it off early?
Yes. Term and revolving structures generally allow prepayment; advance products may not discount interest.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 11% – 24% · Fixed, priced to revenue, time in business and FICO
Estimated monthly payment
$17,951
- Total interest
- $146,237
- Total of payments
- $646,237
- Principal
- $500,000
- Est. origination points
- $7,500
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.