Working capital funding in as little as one business day
Revenue-based funding for payroll, inventory, repairs and opportunities that will not wait.
Financing is provided by third-party lenders. Capital Ally is not a lender. Terms and eligibility vary.
At a glance
- Typical amount
- $10K to $500K
- Typical term
- 3 to 24 months
Ranges are typical for this type of financing. Your amount, term and pricing depend on the lender and your business profile.
How this financing works
Working capital funding is built for short-term operational needs. Lenders weigh recent bank deposits and cash flow rather than tax returns, and repayment is usually daily or weekly over months rather than years, so compare the total payback carefully.
It costs more per dollar than SBA or a term loan, and it is repaid daily or weekly over a short term. The question is not whether it is expensive but whether the use of funds earns more than it costs. Replacing a failed walk-in cooler on Monday instead of losing a week of revenue is the working capital math. Capital Ally will tell you plainly when a slower, cheaper product is the better fit.
Common business uses
Emergency repairs
Replace or repair critical equipment without waiting on a long underwriting process.
Payroll bridge
Keep paychecks clearing on time while a large invoice is outstanding.
Time-sensitive opportunities
A bulk discount, a liquidation or a large order, where the cost of waiting is weighed against the cost of the funding.
What lenders typically look for
General guidelines for this type of financing. Each lender sets its own requirements, and meeting them does not guarantee an offer.
- Six or more months in business
- Monthly revenue of $10K or more
- Owner credit of 550 or better
- Three or more months of business bank statements
- No more than one existing advance position
Compare with other options
Working capital vs
Term loans
A term loan usually costs less but needs stronger credit and history. Working capital weighs revenue more and is repaid over a shorter period.
Working capital vs
Line of credit
A line is cheaper for repeat borrowers who qualify. Working capital is the answer when you cannot, or when you need cash today.
Questions about working capital
All questionsHow is working capital priced?
Usually as a factor rate on the advance, repaid on a fixed daily or weekly schedule. You see the total dollar cost before you accept.
Will it affect my credit?
Pre-qualification uses a soft pull. Funded advances are typically reported to commercial bureaus, not personal ones.
Can I get it with bad credit?
Often yes. Underwriting weighs revenue and deposit consistency more than personal credit.
Capital Ally
Considering working capital?
Check eligibility in a few minutes, then compare the offers you receive by their full cost before you decide. Checking does not affect your credit score.