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Business Funding

Working Capital
Loans

Fast access to cash to cover operations, payroll, inventory, or any short-term need — without slowing your business down.

Working Capital Term Loans SBA Loans Equipment Financing Lines of Credit Revenue-Based Personal Loans Startup Loans 200+ Lenders All 50 States Working Capital Term Loans SBA Loans Equipment Financing Lines of Credit Revenue-Based Personal Loans Startup Loans 200+ Lenders All 50 States
Overview

Working Capital Loans

Working capital loans give your business the liquidity to keep moving. Whether you're covering a slow season, jumping on a bulk inventory deal, funding a marketing push, or managing a payroll gap — this is the fastest and most flexible capital Finance Foundry places. Most approvals happen within hours; funding within one business day.

Funding Amount
$50K – $5M
Term Length
3–18 Months
Decision Speed
As fast as 24hr
Min. Credit
550+ FICO

Common Use Cases

Payroll & OperationsCover staff costs during revenue gaps
Inventory PurchaseBuy bulk stock at favorable prices
Marketing CampaignsLaunch campaigns without cash drain
Seasonal BridgeSmooth out seasonal revenue swings
Emergency CostsHandle unexpected repair or expenses
Supplier PaymentsPay vendors early for discounts

Requirements

  • Minimum 3 months in business
  • $15,000+ monthly revenue
  • 500+ FICO credit score
  • Active business bank account
  • No open bankruptcies
  • U.S.-based business in all 50 states

Frequently Asked Questions

What makes working capital loans different from term loans?

Working capital loans are short-term, fast, and designed for immediate operational needs. Term loans are structured for larger, longer-term investments with set repayment schedules.

How fast can I get funded?

Most working capital loans fund within 24–48 hours of approval. In some cases, same-day funding is possible.

Does it affect my credit score to apply?

Finance Foundry initiates a soft pull during pre-qualification, which does not affect your score. A hard pull only occurs if you proceed with a full lender application.

Get Your Options

No commitment · No hard credit pull

🔒 Secure · Never sold · Soft pull only