Working capital financing from $25,000 to $1,000,000. Pre-approval in 4 hours. Funds deposited same week. Built for operators who cannot wait 90 days for a bank.
4h
Pre-approval time
$1M
Max available
0%
Down payment
10
US states served
Most businesses face this sequence every month:
Day 1
Invoice sent — payment due in 30 days
Day 7
Supplier payment due — cash needed now
Day 15
Payroll hits — largest monthly outflow
Day 22
Rent and utilities due
Day 31
Invoice payment received — gap finally closed
Working capital financing bridges this gap so your business never misses a critical obligation.
4-hour pre-approval
Preliminary offer same business day for complete applications.
No collateral required
Most working capital files approved without hard assets.
$25K to $1M available
From gap coverage to full-cycle working capital.
All credit profiles
We look at cash flow, not just credit score.
Banks look at annual revenue. Working capital lenders look at the timing gap between when cash comes in and when it must go out.
Cash In
Cash Out
Timing Gap
–$49,000
This is illustrative. Your actual gap depends on payment timing, not just totals.
Working capital loans are not for growth. They are for operators managing the gap between when cash comes in and when it must go out.
A landscaping company in Ohio with $1.2M annual revenue needed to keep their core crew employed through November.
Revenue dropped 60% in winter while payroll stayed flat. Working capital financing bridged the 4-month gap without laying off experienced staff the company would struggle to rehire in spring.
A food distributor in Texas received a $340,000 wholesale order from a regional grocery chain — payment net 45 days.
To fulfill the order, the distributor needed $110,000 immediately to purchase inventory. Working capital financing let them take the order, fulfill it, and pay back the advance when the invoice cleared.
A physical therapy clinic in Florida billed $280,000 per month — but insurance reimbursements arrived 45 to 60 days later.
Staff, rent, and supplies could not wait 60 days. The clinic used a working capital line to cover ongoing expenses, repaying it as insurance payments arrived each month.
Bridge your cash flow gap today.
Same-week funding available. Apply free — no hard credit pull.
Our lender network is built for fast decisions. Not 90-day bank committees.
4 hrs
Pre-approval
From completed application to preliminary offer
24 hrs
Full decision
Complete file review and final term sheet
48 hrs
Docs signed
Electronic signature — no branch visit required
5 days
Funds deposited
Direct to your business bank account
Best fit for
Not the right fit if
Not sure which product fits? Talk to a lendfloCapital advisor — they review your file and match you to the right structure.
You fit the profile — see your options.
Flexible working capital matched to your business in 1 business day.
Working capital underwriting is cash-flow based, not collateral based. Here is what matters.
Time in business
Lenders want to see at least 12 months of operating history. Longer history improves terms.
Minimum 12 monthsMonthly revenue
Bank statements are the primary underwriting tool. We look at average monthly deposits over the last 3–6 months.
$15,000+ per monthCredit profile
Working capital products are more flexible on credit than term loans. We look at the full file, not just a score.
Starts around 550Bank account health
Lenders check for consistent deposits, minimal NSFs, and positive average daily balance.
No recent NSFsExisting obligations
Existing debt is reviewed but does not automatically disqualify. Stacking multiple advances is reviewed case by case.
Reviewed case by caseWorking capital applications are lean. Most files close with four documents.
Standard application (most files)
Larger amounts ($250K+)
High-volume operators ($500K+)
Document requirements vary by lender and deal size. Your specialist will confirm the exact list for your file.
Documents ready? It only takes 5 minutes.
Start your free application — an advisor reviews it and calls you back.
No branch visits. No paper forms. Real decisions for operators who need capital now.
Complete our short intake form. We need basic business info and 3 months of bank statements to start.
A dedicated lendfloCapital advisor reviews your cash flow, identifies the best-fit working capital product, and contacts you within 4 hours.
Get a clear term sheet with amount, factor rate, and repayment structure. No surprises. You decide before any commitment.
Sign documents electronically. Capital deposited directly to your business account — typically within 1 to 3 business days.
Straight answers. No jargon.
A term loan has a fixed monthly payment over a set schedule regardless of your revenue. Working capital financing is typically shorter-term (3 to 18 months), repaid daily or weekly from business deposits, and underwritten on cash flow rather than collateral. It is designed to fill gaps, not fund long-term investments.
Tell us your situation. A lendfloCapital advisor reviews your cash flow and identifies the best working capital offer available from our lender network. No hard credit pull to start.
Prefer to explain your situation first? Call and speak directly with a lendfloCapital working capital advisor.
40K+
businesses funded
4h
pre-approval
$1M
max available
10
states served
Under 5 minutes. No obligation. No hard credit pull.
Important disclosure: lendfloCapital is a financing broker, not a direct lender. All financing is subject to eligibility, lender approval, verification, and final documentation. Funding timelines are estimates. Factor rates and costs vary by lender and file. This page is for informational purposes only and does not constitute a financing offer.