Working Capital financing provides businesses with fast access to cash in exchange for a percentage of future sales. It’s one of the most common funding options, offering quick approvals and flexibility to cover expenses like payroll, inventory, expansion, or debt repayment.
This one-pager is a client-ready overview of Working Capital loans. Use it to highlight speed, accessibility, and versatility when presenting to prospects.
👉 Keep in mind: Working Capital loans generally come with higher interest rates and shorter repayment terms, so they’re best suited for clients who need quick funding and can manage more frequent paybacks.
📌 When to Pitch Working Capital
- Clients needing fast funding (often within 24–48 hours).
- Businesses with lower credit scores (as low as 450) who may not qualify for other products.
- Companies with at least $5K+ monthly revenue.
- Prospects looking to cover short-term needs like payroll, debt consolidation, or inventory.
- Clients who value high approval rates and speed over long-term repayment.
