Cover payroll, restock inventory, bridge cash gaps, or seize a growth opportunity. SMB Capital Funding is a direct lender — we make the decision in-house, no middlemen.
Cover payroll, inventory, and expenses — fast. SMB Capital Funding is a direct lender — we underwrite and fund in-house.
We fund with our own capital. No middlemen, no runaround, no file shopping.
Most applications receive a decision same day. Funding as fast as 24 hours for qualified applicants.
Working capital lines from $10K to $20M depending on revenue and business profile.
500+ FICO considered. Revenue and cash flow history matter most.
Working capital is short-term funding designed to cover day-to-day operating expenses like payroll, rent, inventory, and supplier payments. Unlike a term loan which is typically used for a specific large purchase, working capital keeps your business running between revenue cycles. SMB Capital Funding offers working capital from $10K to $20M with terms ranging from 3 to 24 months.
Most working capital applications receive a decision within hours. Qualified applicants can receive funds in as fast as 24 hours via wire transfer. The process requires 3 months of business bank statements and a basic application — no lengthy paperwork or collateral required.
SMB Capital Funding considers all credit profiles starting at 500+ FICO. For working capital, your business revenue and bank account history carry more weight than your personal credit score. We review average daily balances, monthly deposits, and cash flow patterns to determine qualification.
Yes. Working capital is unrestricted — use it for payroll, inventory purchases, equipment repairs, marketing, rent, tax payments, or any business-related expense. There are no spending restrictions once the funds are in your business account.
We fund businesses in every industry — select yours to see state-specific programs.
State-specific Working Capital programs — click your state for local options.
SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
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