Working Capital Loans for Small Business
Stop letting cash gaps decide what your business can do. Get $5,000–$500,000 in flexible working capital deposited in as little as 24 hours — use it for payroll, inventory, marketing, or anything else your business needs.
The flexible funding that keeps your business moving
A working capital loan gives your business an unrestricted cash injection — no restrictions on how you spend it. You receive the full amount upfront, then repay over a fixed term with predictable daily or weekly payments. It's the fastest way to bridge a gap, seize an opportunity, or simply make sure payroll clears on Friday.
This product is built for businesses with strong, consistent revenue that need liquidity right now — not six weeks from now. Retailers stocking up before peak season. Contractors who landed a new job but need to cover materials. Restaurants replacing a broken refrigeration unit. Service businesses investing in marketing to fill their pipeline.
If your business makes money and needs cash, a working capital loan from ABC Funding is almost always the fastest path from problem to solution.
$500K
Maximum available
From $5,000 all the way up to $500,000 depending on your revenue.
24 hrs
Funding speed
Money in your account in as little as one business day after approval.
Any use
Spend it how you need
Payroll, inventory, marketing, repairs — zero restrictions on use.
Revenue
First approval factor
We look at your cash flow, not just your credit score.
From application to funded in 4 simple steps
No stacks of paperwork. No weeks of waiting. Here's the entire process start to finish.
Apply in 5 minutes
Complete a short online application — basic business info, revenue, and what you need. No tax returns, no mountains of paperwork. Soft pull only.
Get matched
Your dedicated funding specialist reviews your profile and matches you with the right working capital product from our network of private lenders — typically within minutes.
Review your offer
See your exact amount, term length, and payment schedule. No hidden fees, no fine-print surprises. Ask questions — your specialist is a real person, not a chatbot.
Get funded
Sign your agreement and the money lands in your business bank account in as little as 24 hours. Then go do what you needed the capital for.
The bank route vs. the ABC route
See why thousands of business owners skip the bank entirely and come straight to us.
Rates and terms are estimates. Your actual offer depends on your revenue, time in business, and funding product. No obligation to accept.
What can you use working capital for?
No restrictions. No earmarks. Use it for exactly what your business needs right now.
Payroll & Staffing
Make sure every employee gets paid on time — even when a big client invoice is 30 days out. Stop letting A/R timing jeopardize your best people.
Inventory & Supplies
Buy in bulk before peak season. Lock in supplier pricing before it rises. Never turn away a customer because you ran out of stock.
Marketing & Advertising
Run the campaign you know will bring in leads. Spend on paid ads, local SEO, or a direct mail push — without waiting until you've "saved up" for it.
Covering Slow Seasons
Every business has off-months. Bridge the gap gracefully — keep the lights on, the staff employed, and your suppliers paid while you wait for the season to turn.
Unexpected Repairs
Equipment breaks at the worst time. A roof leak. A vehicle out of commission. Handle it today instead of watching revenue drain while you scramble for cash.
Expansion & New Locations
The right location opened up. A second shift is possible. Open the door before someone else does — working capital moves as fast as the opportunity.
Do you qualify? The bar is lower than you think.
Most working business owners qualify. We built our approval process around the health of your business — not arbitrary credit score cutoffs. Here's what we look for:
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6+ months in business
We fund established businesses — not startups. Six months of operating history is the minimum.
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$10,000+ average monthly revenue
Your revenue is the primary approval factor. Stronger revenue = larger offers with better terms.
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Active business bank account
We need to verify your cash flow and deposit funds. A business checking account (not personal) is required.
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US-based business
We fund businesses operating in all 50 states. Your business must be registered and operating in the United States.
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No open bankruptcies
If a past bankruptcy was discharged, you may still qualify. Active open bankruptcies are not eligible.
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All credit levels welcome
We look at revenue first. Business owners with less-than-perfect credit qualify every day through our network.
Not sure if you qualify?
The fastest way to find out is to apply. It takes 5 minutes, uses a soft credit pull (no impact to your score), and you'll have a real answer — not a maybe — in minutes.
Check my eligibilityTakes 5 minutes · Won't affect your credit score
Why 38,000+ business owners chose ABC Funding for working capital
Speed that matches your urgency
When payroll is Friday and it's Wednesday, you don't have time for banker's hours. Our process moves at the speed of your business — decisions in minutes, funds in 24 hours.
A specialist who knows your business
You're assigned one dedicated funding advisor — not a rotating call center. They learn your business, explain every option clearly, and find the best offer for your specific situation.
Approved on revenue, not just credit
Our network of private funding partners looks at the strength of your cash flow first. This means owners who've been declined by banks — including those with imperfect credit — get funded every day.
Working Capital Loan FAQs
What is a working capital loan and how does it work?
A working capital loan gives your business a lump sum of unrestricted cash. You receive the full amount upfront and repay it over a fixed term — typically 3 to 18 months — with predictable daily or weekly payments. Unlike a bank line of credit, funds hit your account fast (often within 24 hours) and there are no restrictions on how you use the money.
How fast can I get working capital funding?
Most applicants receive a decision within minutes of submitting their application. Once you accept your offer and sign your agreement, funds are deposited in your business bank account in as little as 24 hours. The entire process — from application to funded — can happen in a single business day.
What can I use a working capital loan for?
Anything your business needs. Payroll, inventory, supplies, marketing campaigns, equipment repairs, rent, utility bills, hiring, covering a slow season — there are no restrictions on how you use the funds. Working capital is the most flexible form of business financing we offer.
Do I need collateral for a working capital loan?
Most working capital loans through ABC Funding do not require traditional collateral like real estate or equipment. Approval is based primarily on your business's revenue, cash flow history, and time in business. You typically sign a general business lien rather than pledging specific assets.
What is the minimum revenue to qualify?
Most approvals require at least $10,000 in average monthly revenue and at least 6 months in business. Higher revenue unlocks larger amounts and better terms. We also look at your overall cash flow health, not just a credit score — so many business owners qualify even when banks have said no.
Your cash flow gap ends today.
See what you qualify for in about 60 seconds — free, with no impact to your credit. Working capital from $5,000 to $500,000, funded in as little as 24 hours.
No obligation · No cost · Won't affect your credit score
Estimate your funding in seconds
Slide to your amount, choose a term, and get an instant estimate. No signup and no credit check required.