Working capital funding in as little as one business day
Revenue-based funding for payroll, inventory, repairs and opportunities that will not wait.
Working Capital overview
- Typical amount
- $10K to $500K
- Typical term
- 3 to 24 months
- Time to fund
- As fast as 24 hours
Ranges are typical for this type of financing. Your amount, term and pricing depend on the lender and your business profile.
How it works
Working capital funding is built for the operational moments that cannot wait. Approval rests on recent bank deposits and cash flow rather than tax returns, decisions come in hours, and funds can land the same or next business day.
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.
Best for
- Emergency equipment replacement
- Covering payroll during a receivables delay
- A time-limited supplier or inventory deal
- Businesses under a year old or with credit below 600
What businesses use it for
Emergency repairs
Get critical equipment replaced in a day rather than a month.
Payroll bridge
Keep paychecks clearing on time while a large invoice is outstanding.
Time-sensitive opportunities
A bulk discount, a liquidation, a competitor's customer list. Opportunities with a clock reward fast capital.
How it compares
Working capital vs term loans
A term loan is cheaper but needs stronger credit and history. Working capital funds in a day and accepts more files.
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.
Working Capital: common questions
See 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.
Other funding solutions
Ready to apply for Working capital?
Two minutes to check eligibility. A specialist reviews it the same day. No credit impact, no obligation.