Working Capital Loans — $50K to $1M, Funded in 24 Hours
Keep your business moving with fast working capital funding for payroll, inventory, and cash flow needs. Get approved quickly with no collateral and minimal documentation required.
Understand Working Capital — and How to Get It Fast
Working capital is the cash used to cover payroll, inventory, rent, and daily expenses. Cash flow gaps can occur from slow sales, rapid growth, or delayed customer payments.
A working capital loan provides short-term funding to keep operations running smoothly. Funds are typically repaid over 3 to 18 months as revenue continues to come in. Most working capital loans require only 3 months of bank statements and a simple application. No collateral, tax returns, or lengthy underwriting, with funding possible within 24 hours.
A healthcare practice bridges reimbursement delays through Hawk Funding Group using short-term working capital financing. The loan amount is $450,000 at an 8.25% rate with a $3,094 monthly interest-only payment. The term is 12 months. The purpose is payroll, rent, and operational stability.
What Can You Use Working Capital For?
Payroll Support Funds
Cover payroll on time even when customer payments are delayed. Working capital funding helps maintain operations and keep employees paid.
Inventory Purchase Costs
Purchase inventory before peak seasons, secure supplier discounts, and fulfill larger orders with flexible inventory financing.
Seasonal Cash Flow
Manage slow periods with confidence. Working capital loans help businesses maintain operations during seasonal revenue declines.
Emergency Expense Coverage
Handle unexpected repairs, taxes, lease renewals, and urgent costs without disrupting daily cash flow or operations.
Receivable Gap Funding
Bridge delays from 30, 60, or 90-day customer payments through accounts receivable financing and working capital funding.
Business Growth Initiatives
Invest in marketing, new hires, technology upgrades, and expansion opportunities without waiting for cash reserves to build.
Working Capital Loans vs. Other Business Financing
| Feature | Working Capital Loan |
SBA 7(a) Loan | Business Line of Credit |
|---|---|---|---|
| Funding Speed | 24 - 48 Hours | 30–60 Days | 3-30 Days |
| Loan Amount | $50K - $1M | Up to $5M | Up to $5M |
| Repayment Term | 3–18 Months | 10 to 25 Years | Revolving/Renewable |
| Typical Cost | Factor Rate 1.1-1.5x | Prime + 2-3% | 8-24% APR |
| Collateral Required | ❌No | In Some Circumstances | ❌No (usually) |
| Tax Returns Required | ❌No | ✅Yes (3 Years) | Sometimes |
| Min. Credit Score | 550+ | 650+ | 600+ |
| Best For | Immediate Cash Needs | Long-Term Growth / RE | Recurring Cash Flow |
Need Capital This Week? Let's Move.
Working capital loans fund in as little as 24 hours. Submit your business details now and a capital advisor will come back within 1 business day with your options.. The application takes about 10 minutes and won’t affect your credit to start.
Get Answers Before You Apply
What is a working capital loan?
A working capital loan is a short-term business loan used to fund everyday operational expenses — payroll, inventory, rent, utilities, and accounts receivable gaps — rather than long-term investments. Working capital is defined as current assets minus current liabilities. When that number turns negative, a working capital loan provides the bridge. These loans range from $50K to $1M, fund in as little as 24 hours, require no collateral, and qualify primarily based on your business's monthly revenue.
How quickly can I get funded?
Most working capital loans through our lending partners fund in 24 to 48 hours after approval. For some smaller amounts with clean bank statements, same-day funding is possible. The application process itself takes 10–15 minutes. Our team reviews your profile and submits to lenders immediately — there's no waiting in a queue or scheduled calls. If you need money by Friday, get your full application and requested docs in by Wednesday and we work to get you funded within your timeframe needed.
What's the minimum credit score to qualify?
Many working capital lenders approve borrowers with scores as low as 550 to 580, provided monthly revenue is strong and consistent. Unlike SBA loans, credit score is a secondary factor — revenue is primary. A business bringing in $50K/month with a 560 credit score will often qualify for more capital at better terms than a business with a 680 score but only $8K/month in revenue. We work across all credit profiles and will tell you what you may qualify for.
Are working capital loans available for startups?
Most working capital lenders require a minimum of 6 months in business. Businesses under 6 months with no revenue history have very limited options in this category. If you're a newer business but generating consistent monthly revenue, you may qualify — revenue is what lenders care about most. Businesses under 6 months are better served by a business credit card, a personal loan, or an SBA microloan. Our team will help you figure out the right path for your stage of business.
What's the difference between a working capital loan and a line of credit?
A working capital loan is a one-time lump sum disbursed upfront, repaid on a fixed daily or weekly schedule over 3 to 18 months. Once you've used the funds, they're gone — you'd need to reapply for more. A business line of credit is revolving — you draw what you need, repay it, and the credit replenishes. Lines of credit are better for recurring, unpredictable cash needs. Working capital loans are better for a defined, immediate funding event like buying inventory or covering a known payroll shortfall.
How are working capital loan payments structured?
Most working capital loans are repaid through automatic daily or weekly ACH debits directly from your business bank account. Daily payments are typically small — often a few hundred dollars per day — which makes them easier to manage from a cash flow perspective than a large monthly payment. The total repayment amount (loan principal plus fees) is determined at origination, so you always know exactly what you owe and when you'll be done.
Who Qualifies for a Working Capital Loan?
Working capital loans are designed to be accessible. Here's the typical qualification profile:
✓ U.S.-based business with at least 6 months of operating history
✓ Minimum $10,000 per month in gross business revenue (some programs start at $8K/mo)
✓ Business bank account with consistent deposit activity
✓ Personal credit score of 550+ (higher scores unlock better rates and terms)
✓ No active bankruptcy (discharged bankruptcies may still qualify)
✓ 3 months of business bank statements ready to submit
What is the working capital formula every business owner needs to know?
Working Capital = Current Assets − Current Liabilities
Current assets include cash, accounts receivable, and inventory. Current liabilities include accounts payable, short-term debt, and accrued expenses. A positive working capital means you have more liquid assets than near-term obligations. A negative working capital means your business is in a cash flow crunch — and that's exactly when a working capital loan bridges the gap.