Working Capital Financing for Your Business
Keep Your Business Moving. Be Ready for What Comes Next.
Payroll, inventory, repairs, and growth opportunities do not always arrive when cash is most readily available. Simplified Capital helps business owners explore working capital financing that fits their cash flow, qualifications, and business goals.
Financing options range from $10,000 to $10 million, with terms up to 24 months, subject to qualification and program availability.
Businesses with strong credit and healthy cash flow may qualify for larger amounts, more favorable pricing, and more flexible repayment options. We also consider businesses facing credit challenges or circumstances that fall outside traditional lending guidelines.
Simplified Capital arranges business financing through a network of financing providers, helping you evaluate available options.
Discuss Your Working Capital Options
Call 866-810-1305 or email info@simplifiedcapital.com to discuss your financing needs.
What Can Working Capital Financing Help Cover?
Working capital financing can help bridge cash-flow gaps, cover business expenses, and pursue opportunities that require money before new revenue arrives.
Common uses include:
- Payroll and operating expenses.
- Inventory, materials, and supplies.
- Supplier and vendor payments.
- Business repairs and maintenance.
- Equipment repairs or purchases.
- Seasonal cash-flow needs.
- Expenses incurred while waiting for customer payments.
- Hiring, marketing, and business expansion.
- Taking on additional work without exhausting available cash.
When Equipment Financing Does Not Fit
Working capital financing may provide another option when a business cannot qualify for conventional equipment financing but has sufficient cash flow to support repayment.
For example, Simplified Capital arranged $75,000 in financing for a customer whose credit prevented an equipment-financing approval. The business’s cash flow supported a working capital approval, allowing the customer to purchase equipment needed to secure a contract worth approximately $300,000 in annual revenue.
Without the equipment, the customer would have lost the contract. The financing allowed the business to move forward, with revenue from the new work providing a source for repayment.
Working capital financing can carry different costs and repayment schedules than equipment financing. The opportunity must support both the financing obligation and the expenses of performing the new work.
This example describes one customer’s experience. Approval, costs, and business results vary.
Financing Options for Different Business Profiles
Strong Credit and Healthy Cash Flow
Established businesses with strong credit, consistent deposits, and healthy bank balances may qualify for more competitive financing options.
Depending on the program and underwriting results, these may include:
- Larger approved amounts.
- More favorable pricing.
- More flexible repayment terms.
- Monthly payment options through select programs.
- Attractive early-payoff benefits.
We help you evaluate available options in relation to your business needs and ability to repay.
Options for More Challenging Situations
A less-than-perfect credit profile does not automatically rule out financing.
General starting guidelines for these programs include:
- At least six months in business.
- At least $50,000 in monthly business revenue.
- A credit score of 600 or higher, with exceptions considered.
These programs generally involve daily or weekly payments. Approved amounts, pricing, and repayment terms reflect the business’s credit profile, cash flow, existing obligations, and other underwriting factors.
These are starting guidelines, not a guarantee of approval. Stronger borrowers may qualify for different programs and more favorable terms.
How Much Working Capital Can Your Business Qualify For?
Available financing ranges from $10,000 to $10 million, subject to qualification. The amount available to your business depends on its financial profile and ability to support repayment.
Factors typically reviewed include:
- The amount and consistency of business bank deposits.
- Remaining bank balances throughout the month.
- Revenue and cash-flow trends.
- Time in business.
- Credit history.
- Existing financing and repayment obligations.
Financing from $10,000 up to approximately $250,000–$350,000 may be available without full financial statements, subject to qualification. Typically, three months of business bank statements are reviewed. Additional documentation may be requested.
Requests above that range generally require financial statements and a more detailed financial review.
Repayment Terms That Reflect Your Qualifications
Terms may extend up to 24 months, depending on the financing program and underwriting.
Weekly payments are common. Daily payments may apply to more challenging situations, while monthly payments may be available through select programs for qualifying businesses.
Early-payoff benefits vary by program. Businesses with strong credit and healthy cash flow may qualify for particularly attractive options that combine competitive financing costs with substantial savings for early repayment. We’ll help you compare available offers, including any early-payoff savings, before you choose a program.
Before moving forward, review the approved amount, payment frequency, total repayment obligation, applicable fees, and early-payoff provisions.
How Quickly Can Funding Be Available?
Approval decisions are generally available within one business day after a complete application and required documentation have been received.
Once approved and final documents are signed, funding may occur the same business day if funding requirements and bank transfer cutoffs are met. Otherwise, funding may move to the following business day or later, depending on processing requirements.
Timing varies by program, transaction size, documentation, and banking schedules. Larger or more complex requests may require additional review.
Working Capital Financing, Credit Lines, and Business Credit Cards
These options serve related needs, but they work differently.
| Financing option | How it generally works |
|---|---|
| Working capital financing | Provides an approved amount of funding with repayment obligations established in the agreement. It does not automatically replenish as payments are made. |
| Revolving business line of credit | Allows draws against an approved limit. Repaid principal generally becomes available to borrow again, subject to the agreement and continued eligibility. |
| Business credit cards with 0% introductory offers | Offer 0% introductory APR for up to 18 months, depending on the card and applicant qualifications. Promotional terms apply to eligible transactions; fees may apply. Standard APR applies after the introductory period. |
Simplified Capital can help you explore which available option best matches your intended use and repayment capacity.
Working capital programs may use different financing structures. The financing agreement determines whether an offer is a business loan or another form of commercial financing, including a purchase of future receivables.
A Straightforward Starting Process
- Tell us what you need. Share the amount requested, intended use, and timing.
- Provide the initial documents. Typically, this includes an application and three months of business bank statements. Larger requests generally require financial statements.
- Review available offers. Consider the financing structure, amount, costs, payment schedule, and any early-payoff benefits.
- Complete final documentation. Funding follows once approval conditions and processing requirements are satisfied.
Prefer a Downloadable Application?
Download Working Capital Application (PDF)
Download and save the fillable application, complete and sign it, and email it with your three most recent business bank statements to info@simplifiedcapital.com. You may also fax the documents to the number listed on the application.
Have questions before applying? Contact Simplified Capital or call 866-810-1305.
Frequently Asked Questions
Can a business with good credit obtain competitive working capital financing?
Yes. Strong credit, consistent revenue, and healthy cash flow may support more favorable pricing, larger financing amounts, and more flexible repayment options. Specific offers depend on underwriting and program availability.
Can I qualify with a credit score around 600?
Options may be available. For more challenging credit profiles, general starting guidelines include six months in business, $50,000 in monthly revenue, and a credit score of 600 or higher. Exceptions may be considered. Daily or weekly payments are typical for these programs.
Can working capital financing be used to purchase or repair equipment?
Yes, depending on the program. It may be an option when cash flow supports financing but the business does not qualify for conventional equipment financing. We can help you evaluate available options and their costs and repayment requirements.
Do I need full financial statements?
Not always. Financing from $10,000 up to approximately $250,000–$350,000 may be available without full financial statements. Typically, three months of business bank statements are reviewed, and additional documentation may be required. Larger requests generally require financial statements.
How do bank deposits and balances affect approval?
Deposits and remaining balances are considered alongside other factors to assess cash flow and repayment capacity. Revenue alone does not determine the amount a business can qualify for.
Are monthly payments available?
Sometimes. Weekly payments are common, but monthly payment options may be available through select programs for qualifying businesses. More challenging situations may require daily or weekly payments.
Can I receive a benefit for paying off early?
Yes, select programs offer early-payoff benefits. Businesses with strong credit and healthy cash flow may qualify for options combining competitive financing costs with substantial early-payoff savings. We’ll help you compare the provisions in available offers.
Is this the same as your introductory-rate business credit card program?
No. Working capital financing is separate from business credit cards. Our business credit card options may include 0% introductory APR for up to 18 months, subject to the card’s terms and applicant qualifications. Credit cards have their own approval requirements, promotional periods, fees, and repayment conditions.
Let’s Discuss What Your Business Needs
Whether your business has strong financial qualifications or needs an option beyond traditional lending guidelines, Simplified Capital can help you explore available working capital financing.
Request a Working Capital Consultation
Call 866-810-1305 or email info@simplifiedcapital.com.
All financing is subject to underwriting, approval, provider requirements, and program availability. Amounts, terms, pricing, payment schedules, documentation requirements, and funding times vary. Meeting general guidelines does not guarantee approval or any particular offer.