Working Capital Loans

Working capital loans provide the cash flow your Dallas business needs to cover day-to-day expenses, seize growth opportunities, or bridge revenue gaps. Our working capital solutions offer fast approval and funding, with amounts ranging from $5,000 to $600,000 and terms from 6 to 24 months.

Why Choose Working Capital Loans?

Working capital is the lifeblood of any business. Whether you’re covering payroll during a slow season, purchasing inventory for a big order, or investing in marketing to drive growth, having access to flexible funding can make the difference between surviving and thriving.

Common Uses for Working Capital

Operational Expenses Keep your business running smoothly by covering essential costs like payroll, rent, utilities, and supplier payments. When cash flow is tight, working capital bridges the gap until receivables come in.

Inventory Purchases Stock up on inventory before peak seasons or take advantage of bulk purchasing discounts. Having capital available means you never miss an opportunity to maximize profits.

Marketing and Growth Invest in marketing campaigns, hire additional staff, or expand into new markets. Working capital lets you act on growth opportunities when they arise, not when you’ve saved enough cash.

Emergency Expenses Equipment breakdowns, unexpected repairs, or sudden market changes don’t wait for your bank account to be ready. Working capital provides a safety net for the unexpected.

Our Working Capital Loan Features

Fast Approval Process

We know time is money. That’s why our streamlined application takes just 5 minutes to complete, with approval decisions in as fast as 2-4 hours. No lengthy paperwork, no waiting weeks for a response.

Flexible Repayment Options

Choose the repayment schedule that works for your cash flow:

• Daily remittance - Small, manageable payments deducted daily
• Weekly payments - Consolidated weekly withdrawals
• Monthly payments - Traditional monthly payment structure

Data-Driven Underwriting

We look beyond your credit score to understand your business’s full potential. Our underwriting process considers:

• Monthly revenue and cash flow patterns
• Time in business
• Industry and seasonal factors
• Overall business health

This means more Dallas business owners get approved, even those who’ve been turned down by traditional banks.

Eligibility Requirements

To qualify for a working capital loan, your business typically needs:

• 6+ months in business - Established operational history
• $15,000+ monthly revenue - Demonstrated ability to repay
• 500+ FICO score - We work with all credit profiles
• Business bank account - For fund disbursement and repayments

The Application Process

Step 1: Apply Online

Complete our simple online application in about 5 minutes. You’ll need basic business information and recent bank statements.

Step 2: Get Approved

Our team reviews your application using data-driven underwriting. Most businesses receive a decision within 2-4 hours.

Step 3: Receive Funding

Once approved and documents are signed, funds can be deposited into your business account the same day.

Why Dallas Businesses Choose Us

Local Expertise: Based in Dallas, we understand the unique challenges and opportunities facing DFW businesses. From seasonal fluctuations to industry-specific needs, we’ve helped thousands of local entrepreneurs.

Speed: When you need capital, you need it fast. Our same-day funding gets you the money you need when you need it.

Approval Rates: Our 90% approval rate for eligible applicants means more Dallas businesses get the funding they need.

Flexibility: With customizable terms and repayment options, we tailor solutions to your specific situation.

Frequently Asked Questions

How fast can I get funded? Most approved applicants receive funding the same business day. Our fastest fundings have happened within 4 hours of application.

What if I have bad credit? We work with all credit profiles. Our data-driven approach looks at your overall business health, not just your personal credit score. Businesses with FICO scores as low as 500 may qualify. Learn more about how to qualify for a working capital loan.

What can I use the funds for? Working capital loans are versatile. Use them for payroll, inventory, equipment, marketing, expansion, or any legitimate business purpose.

Are there prepayment penalties? Terms vary by program. Ask your funding specialist about early payoff options and any associated fees.

Ready to Get Started?

Don’t let cash flow challenges hold your Dallas business back. Apply for a working capital loan today and get the funding you need to grow, manage expenses, or seize new opportunities.

Our team is ready to help you find the right financing solution. With fast approval, flexible terms, and same-day funding, we make getting business capital simple and stress-free.