What is working capital?
Working capital is the difference between what your business has available in the short term (cash, receivables, inventory) and what it owes in the short term (payroll, rent, suppliers, taxes). Positive working capital means you can pay bills and invest in growth. When it runs short — because customers pay slowly, sales are seasonal or expenses spike — even profitable businesses can struggle to pay their bills.
Common uses for working capital funding
Payroll
Keep your team paid on time during slow periods or while waiting on customer payments.
Inventory
Stock up before your busy season or take advantage of bulk supplier discounts.
Marketing
Fund a campaign, new location launch or seasonal promotion that brings in revenue.
Equipment & repairs
Fix or replace equipment quickly so your business keeps operating.
Working capital options compared
| Option | Speed | Credit focus | Good fit when… |
|---|---|---|---|
| Merchant cash advance | Very fast | Low | You need cash quickly and have steady revenue |
| Revenue-based financing | Fast | Low–medium | Revenue varies and you want payments tied to sales |
| Business line of credit | Medium | Medium–high | You want ongoing access for recurring needs |
| SBA / bank loan | Slow | High | You have strong credit and time to wait |
How much working capital can you get?
Offers range from $10K to $5M. The amount is based mainly on your average monthly revenue — a typical first offer is roughly 50% to 150% of one month's deposits. Businesses with longer histories, higher balances and fewer existing obligations usually qualify for more.
Funding by industry
Restaurants · Trucking · Construction · Medical & Dental · Retail Stores · Auto Repair Shops · Salons & Spas · E-commerce · Landscaping · HVAC & Plumbing · Manufacturing · Wholesale & Distribution · Gyms & Fitness · Hotels & Hospitality