Working Capital Loans

As you get started with your new business, you may find that you are paying out of pocket for payroll, office or business space, and other everyday expenses. While you may have some funding up front, this can become tiring and stressful over time. US Capital provides a unique loan opportunity that can take those everyday expense burdens off your back, providing business with fast funds and reasonable repayment periods.

Get Started

Why get a working capital loan?

Unsecured Funding

Most business line of credit solutions are unsecured.

Fast Funding

Access your funds in as little as 1 to 3 business days

Easy Process

An easy process that isn’t hindered by past credit issues

24 Hour Approval

Approvals within 24 hours of your application

What is a working capital loan?

Working capital loans provide financing for businesses that are intended to cover everyday expenses such as rent and payroll, and not longer-term investments such as assets intended to grow the business.

Funding Amount

Typical funding ranges from $10,000 - $5,000,000


Our loans range from 3 months to 10 years in length


Our rates start at 9% based on your credit rating


We’re fast and can often fund your loan within 1 to 3 business days

Is a working capital loan right for you?

If you just need funding to cover your daily expenses and not for a large one-time investment, then a working capital loan from US Capital may well suit your needs.

Working capital loans are for business owners who have short-term investment needs or cash shortages.

Benefits of a working capital loan

  • Get access to your funds fast
  • Availability of unsecured programs
  • Your past credit issues won’t hinder you
  • Your loan can be used for a variety of business-related purposes

Drawbacks of a working capital loan

  • These loans are subject to higher interest rates and fees than traditional business loans
  • You may be required to put up collateral to quality for a revenue-based business loan
  • Interest rates are higher for lower credit scores

How to get a working capital loan


Apply Online

Fill out our quick and easy secure online application. Most people finish the form in 1 minute or less.

Speak With Us

After you fill out our initial application, a representative will contact you to discuss your options.

Get Funded

If you are approved, we get you the capital your business needs as quickly as possible.

How to qualify for a working capital loan

To apply for a working capital loan, business owners will need to provide three months’ worth of business bank statements. However, revenue-based loans do have a few more requirements than many other more traditional types of business loans. Your approval will be based on your revenue and you will need to prove that you have a steady baseline revenue and that revenue will increase in the coming months.

Working capital loans require business owners to have been in business for at least six months. Further, your business will need to provide business bank statements that demonstrate consistent revenue.

Most customers approved for a working capital loan met the following criteria

  • Annual revenue of $180,000 or more
  • A credit score of 555 or higher
  • Two years or more of business history

To apply, you will need

  • Driver’s license
  • Voided check from your business account
  • Recent bank statements
  • A completed application for US Capital

US Capital can help with your working capital loan

If you are ready to partner with US Capital on a working capital loan, then reach out to us today. Apply online for your loan, call us at (800) 952 – 6330 or email us at We’re here to make it easy, and make your small business dream a reality.

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