Working capital loans
Short-term funding for payroll, rent, inventory and other everyday costs. Approval is based on recent revenue, and funds can arrive the same day.
Keep the day-to-day moving
| Amount | $10K – $2M |
|---|---|
| Term | 3 to 18 months |
| Speed | Decisions in 4–6 hours |
| Payments | Daily or weekly |
| Best for | Payroll, rent, inventory and seasonal swings |
What businesses use it for
- Make payroll through a slow month
- Stock up before peak season
- Launch a marketing push
- Cover an unexpected repair
How does a working capital loan work?
- 1
Apply with basic business details and recent bank statements.
- 2
We review revenue and cash flow, not just your credit score.
- 3
Choose from offers with different amounts and terms.
- 4
Funds land in your account, often the same day.
Why choose Credible Lending for a working capital loan?
Speed first
Built for the moments when waiting weeks for a bank isn't an option.
Revenue-based approval
Your cash flow carries more weight than a single credit score.
Minimal paperwork
Recent bank statements and a short application are usually enough.
Clear total cost
One number for what the capital costs, shown before you sign.
Working capital loans by industry
Related funding
- Business line of credit$10K to $5M in revolving credit. Pay only for what you draw.$10K – $5M · Up to 24 months
- Revenue-based financingPayments that rise and fall with your sales.$10K – $2M · Until the agreed total is repaid
- Invoice financingGet paid on invoices now, not in 30 to 90 days.Up to 90% of invoice value · Settled when your customer pays
Working capital loans questions
Something else on your mind? Ask an advisor.
How fast can I get a working capital loan?
What documents do I need?
Ready to see your working capital loans offer?
Apply in about three minutes with a soft credit check. You'll hear back the same day.