Commercial Working Capital

Fuel Business Growth With Flexible Capital.

Access fast working capital, equipment lines, and inventory financing up to $250,000+ designed for modern US enterprises.

Revenue-Based Approval: Funding based on business cash flow, not just personal FICO.
Fast Underwriting: Pre-qualify online in minutes; funds ready in 24 to 48 hours.
No Upfront Collateral Required: Unsecured lines available for qualified operations.

Commercial Intake

Up to $250,000

🔒 Bank-Level 256-Bit Encryption • Zero Impact to Check

Eligibility

Basic Commercial Qualifications

Clear requirements designed for operational small and medium US businesses.

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6+ Months in Business

Your business must be officially registered and operating for a minimum of 6 months.

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$10,000+ Monthly Revenue

Demonstrated average monthly gross sales deposited consistently into business accounts.

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Business Bank Account

An active commercial checking account in the legal company name for verified ACH transfers.

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3 Months Bank Statements

Simple PDF bank statements to verify revenue flow without complex tax audits.

Solutions

Commercial Capital Options

Working Capital Lines

Maintain consistent cash flow, bridge payroll gaps, or cover unexpected operational overhead with flexible credit lines.

Equipment & Inventory

Acquire revenue-generating machinery, commercial vehicles, or seasonal bulk inventory without locking cash.

Expedited Funding

Automated cash flow underwriting allows fast approvals, with direct account disbursement typically in 24 to 48 hours.

Common Inquiries

Frequently Asked Questions

Can I qualify if my personal credit score is fair or rebuilding?

Yes. Commercial underwriting evaluates your business's monthly revenue and cash flow health as primary factors, making approvals accessible even with non-prime credit.

What documents are required to get funded?

Most requests under $100,000 only require your 3 most recent monthly business bank statements and a valid government ID. No multi-year tax returns are necessary for preliminary approval.

Are there restrictions on how funds can be used?

No. Funds can be deployed toward payroll, vendor payments, marketing campaigns, bulk materials, or emergency overhead repairs.