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Working capital loans for technology

Short-term funding for payroll, rent, inventory and other everyday costs. Founders use Credible Lending working capital loans to hire engineers ahead of a contract or buy servers and networking gear, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Working capital loans for founders
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

Common uses in technology

  • Hire engineers ahead of a contract
  • Buy servers and networking gear
  • Bridge enterprise payment terms
  • Fund a product launch

Why founders choose a working capital loan

Revenue beats dilution

If you have recurring revenue, you can borrow against it instead of selling equity.

Hardware up front

Servers, networking and client deployments can be financed against the equipment.

Contracts pay later

Enterprise terms are long. A line bridges them.

How does a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for founders

Questions, answered

Something else on your mind? Ask an advisor.

Can founders qualify for a working capital loan?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review technology financials with the industry's cash-flow patterns in mind.
How fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
Do SaaS companies qualify?
Yes, if you have at least a year of revenue history and $10,000 or more in monthly revenue.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor