Working capital when the bank says no.
A lump sum of $10k–$2MM for payroll, inventory, rent, or any cash-flow gap — in your account in as little as 24–48 hours after approval. All credit considered.
Fast cash for the gap in front of you.
Working capital funding is a lump sum your business receives up front and repays over a short term. It exists for one job: covering the near-term costs of running your business — payroll, inventory, rent, taxes, a repair — when cash on hand won't stretch far enough.
Unlike a bank loan, approval is weighted toward your revenue and overall business health rather than your credit score or collateral. That's why owners who've been declined by their bank still qualify here — and why funding takes days, not weeks.
Best for
- Making payroll
- Buying inventory
- Covering rent or taxes
- Bridging a slow month
- Emergency repairs
At a glance
Funded in three steps.
No stacks of paperwork. No waiting weeks for a committee. Just a straight answer, fast.
Apply in about 2 minutes
Tell us a few basics about your business and revenue. Applying won't impact your credit.
Get matched
We review your whole business — not just a credit score — and match you with the funding option you qualify for, even after a bank decline.
Get funded
Approve the terms and receive funds in as little as 24–48 hours.
Do you qualify?
The bar is simpler than a bank's. If you clear these, it's worth applying — it's free, takes about 2 minutes, and won't touch your credit.
6+ months in business
Your business has been operating for at least six months. Years of history aren't required.
$10k+ in monthly revenue
Steady deposits matter more than a score. Around $10,000 a month is the floor.
All credit considered
Past credit issues or a recent bank decline don't rule you out. Approval is revenue-driven.
U.S.-based business
Funding providers currently work with businesses operating in the United States.
Cost at a glance
Straight talk on cost.
Working capital funding costs more than a bank loan — that's the honest trade for speed and accessibility. Most offers quote a fixed total payback amount instead of an interest rate, so you know from day one exactly what you'll repay.
The right way to judge an offer: put the total cost next to what the money earns or protects. If it covers payroll, lands inventory for your busy season, or saves a contract, it usually justifies itself. If it doesn't, don't take it — there's no obligation at any point.
Terms and pricing are set by the funding provider and depend on your revenue, time in business, and the amount requested. You'll see everything in writing before you decide anything.
Working capital, answered.
How fast can I get working capital for my business?
Once you're approved and accept the terms, funds can arrive in as little as 24–48 hours. Exact timing depends on the funding provider and how quickly documents are completed.
Can I get working capital with bad credit?
Very often, yes. Approval is weighted toward your monthly revenue and overall business health, not just your credit score. All credit profiles are considered — including owners who've recently been declined by a bank.
How much working capital can my business get?
Funding ranges from $10k to $2MM. The amount you qualify for is sized primarily to your monthly revenue — stronger, steadier deposits support larger amounts.
What can I use working capital funding for?
Nearly any legitimate business purpose: payroll, inventory, rent, taxes, marketing, repairs, or bridging a seasonal dip in cash flow.
Do I need collateral for working capital funding?
Typically no. Most working capital offers are unsecured — approval leans on your revenue, not on pledging equipment or property. Specific requirements are set by the funding provider.
Is this a loan? Is Fin Scale Solutions the lender?
Fin Scale Solutions is not a lender. We connect your business with vetted third-party funding providers, and the exact structure — a short-term loan or a revenue-based advance — depends on the offer you qualify for. You'll see the full terms in writing before deciding.
Explore other options: Business Line of Credit · Equipment & Term · Revenue-Based Funding
Cover the gap this week.
Apply in about 2 minutes. No cost, no obligation, no impact to your credit — and funds in as little as 24–48 hours after approval.
Get Funded