Fund payroll, inventory, and operations. Fast term loans, lines of credit, and revenue-based advances.
Make payroll during slow months or before receivables clear.
Pre-order inventory for seasonal peaks.
Fund ad campaigns when ROI is proven.
Cover repairs, replacements, or unexpected costs.
Lendmate Capital offers working capital up to $500,000 with same-day decisions and funding in 24 hours.
Check My Rate →Soft credit check. Won't affect your credit score.
Working capital is the cash a business needs to cover its day-to-day operating costs -- payroll, rent, inventory, utilities, and supplier payments -- as distinct from long-term investments like equipment or real estate. A working capital loan bridges temporary gaps between revenue and expenses so operations continue uninterrupted.
Term loans deliver a lump sum with a fixed repayment schedule, typically 3-24 months. Lines of credit offer revolving access with interest only on drawn funds. Merchant cash advances provide fast funding repaid as a percentage of daily card sales. Invoice financing advances funds against outstanding receivables. The right product depends on your revenue pattern and use case.
Working capital rates range from 8% APR for prime bank products to 1.1-1.4 factor rates on merchant cash advances. Most lenders want 6+ months in business and $10,000+ monthly revenue; some short-term lenders approve with 3 months and $5,000 revenue. Funding speed ranges from same-day to one week.