Working capital for operating businesses.
Working capital is money for the cash the business already runs on. Payroll. Inventory. A slow season. A vendor who wants to be paid before your customer pays you.
It is one amount, paid back on a schedule in the agreement. It is not a revolving limit, and it is not a truck loan.
What it is used for
Owners use it when the need has a size and a reason. Cover payroll through a quiet month. Buy stock you can turn. Pay a supplier who will not ship on terms. Repair something that stops the week.
If you do not know which week the gap will show up, a line of credit may fit better. If you are buying a machine you will keep for years, that is equipment financing.
How repayment usually works
You take the amount. You pay it back on the dates in the agreement. Payments may leave the account daily, weekly, or monthly, depending on the product. Read that cadence before you sign. A payment that only works in your best month does not work.
How it differs from a line of credit
A line is a limit. You draw, repay, and can draw again. You are not taking the whole amount on day one. Working capital is the opposite shape: one amount, then you pay it down.
What to have ready
What the money is for, the legal name, the business address, EIN unless you are a sole prop, a government ID, and about 3 to 6 months of business bank statements if you have them. You can start without the statements.
What happens here
One application. We handle the process. You compare your options in the portal. You are not required to sign.