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Working capital loan program - small business funding

Working Capital Loans

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Funding at the speed of light. Receive funding in as little as 24 hours.

Will not impact credit score

Fast, flexible, Working Capital loans.

Business Loans   >   Working Capital Loan

Welcome to the premier Working Capital funding program, designed to empower businesses of all sizes with the financial flexibility they need to thrive. In today's fast-paced market, securing adequate working capital is crucial for maintaining operations, fueling growth, and seizing new opportunities. This funding program offers a lifeline to companies seeking to optimize their cash flow, manage day-to-day expenses, and invest in future expansion. With competitive rates, tailored solutions, and a streamlined application process, the Working Capital funding program stands out as a leading choice for entrepreneurs and business owners. Whether you're looking to replenish inventory, expand your operations, or simply stabilize your financial footing, our expertly designed funding solutions are here to support your ambitions. Dive into the world of hassle-free finance and unlock the potential of your business with our reliable, efficient, and accessible working capital support.

You can also speak with a Lending Advisor directly by calling us toll-free at 888-860-2844.

A quick snapshot of the Working Capital funding program

Working capital program overview
Terms up to 15 months
Up to $400K in funding
Lightning fast approvals!
No collateral
No prepayment penalty
Most states eligible

Find out if you qualify in 2 minutes, or less.

Will not impact credit score

What is a Working Capital loan?

A working capital loan is a specialized financial solution designed to meet the short-term funding needs of a business. Unlike traditional loans intended for purchasing assets or long-term investments, working capital loans are used to finance the everyday operations of a company. This can include covering costs such as payroll, rent, inventory purchases, and other operational expenses that keep the business running smoothly. By providing a buffer for these day-to-day financial needs, working capital loans help businesses maintain liquidity, manage cash flow gaps, and ensure that operations continue uninterrupted during periods of fluctuating income or unexpected expenses.
The beauty of a working capital loan lies in its flexibility and accessibility. Businesses of any size, from startups to established enterprises, can benefit from this type of funding to address seasonal demand changes, take advantage of bulk purchase discounts, or even to prepare for a marketing push. With tailored repayment plans that align with the company's cash flow patterns, working capital loans offer a practical and efficient way to manage financial health without diluting ownership or sacrificing long-term profitability. For businesses aiming to stay agile and responsive in a dynamic market environment, a working capital loan represents a strategic tool to foster growth, innovation, and sustainability.

What is a working capital loan?
Working Capital business loan funding program

The many benefits of a Working Capital funding.

Working capital funding offers several advantages to business owners who might not qualify for traditional bank loans due to the stringent qualifying requirements. Here are some key benefits:

What are the benefits of a working capital loan?

Improved cash flow

Working capital loans provide businesses with the necessary funds to cover daily operational costs, ensuring that they have the liquidity to manage day-to-day activities smoothly. This immediate access to funds helps in stabilizing cash flow, especially during periods of reduced business activity or unexpected expenses.

Quick access to funds

Working capital loans are known for their quick approval process compared to traditional loans. This speedy access to funds is crucial for businesses that need immediate financial support to take advantage of time-sensitive opportunities or to address sudden cash flow shortfalls.


These loans are designed to be flexible, allowing businesses to use the funds according to their specific needs, whether it's for payroll, inventory, rent, or other operational expenses. The repayment terms can also be adjusted to fit the company's cash flow, making it easier to manage without straining the business finances.

No need to sacrifice equity

Unlike acquiring capital through equity financing, working capital loans do not require business owners to give up a share of their company. This means they can retain full control of their business while still accessing the funds needed for growth and operational efficiency.

Strengthens financial health

Regular, timely payments towards a working capital loan can help businesses build or improve their credit score. A strong credit history increases a company's chances of securing future financing under more favorable terms.

Growth and Expansion

With the financial breathing room that a working capital loan provides, businesses can invest in growth opportunities they might otherwise miss. Whether it's expanding the product line, entering new markets, or ramping up marketing efforts, access to working capital can play a pivotal role in a company's expansion strategy.

How it works

Apply online

We'll review your Working Capital funding scenario and provide an instant decision whether you're pre-qualified. There is no credit check, no cost, and no obligation to pre-qualify.

Talk with us

One of our Lending Advisors will review your Working Capital funding scenario in detail, help weigh out your options, and set expectations to ensure a smooth process from start to finish.

Loan approval

Once you've selected the funding terms that best align with your business goals, your Lending Advisor will submit your application for funding with lightning fast approvals.

How does a working capital loan work?

Ready to take your business to the next level?

or call us at (888) 860-2844

Will not impact credit score

Working capital loan eligibility

Program Details and Basic Eligiblity

We pride ourselves on making innovative programs accessible to a wide range of business owners. While we've worked hard to minimize the barriers to entry, ensuring the Working Capital program remains inclusive and welcoming, it's important to acknowledge that some basic qualifying requirements do exist. These parameters are designed not as hurdles, but as essential steps to ensure that every business owner can fully benefit from what we have to offer, and that our resources are allocated effectively and responsibly.







$5,000 - $400,000

1.15 +

3 to 15 Months

Daily, Weekly, Bi-Weekly

No penalty







6+ Months

500 minimum

$10,000 / month

Most states

All eligible

Pre-Approval: Working Capital

Embarking on your financial journey with FundingPilot is a seamless and worry-free experience, especially when you start with our Working Capital Pre-Approval Form. We understand the importance of making informed financial decisions, which is why we offer an instant decision on your pre-approval, ensuring you're not left waiting. Our process is designed with your peace of mind as a priority: there's absolutely no risk, no obligation to proceed, and, most importantly, it will not impact your credit score in any way.


We've tailored our pre-approval form to be as straightforward and user-friendly as possible, allowing you to explore your options without any pressure or commitment. This no-strings-attached approach empowers you to make the best decision for your financial needs and future, on your terms. Whether you're looking to manage cash flow, invest in new opportunities, or simply need a financial safety net, FundingPilot is here to provide the clarity and confidence you need to move forward.

Need support?

Call us toll-free, 888-860-2844

Will not impact credit score

No SSN or DOB needed to prequalify

Instant decision and initial terms.

No upfront fees. No obligation.

Bank-level security

SSL secure encryption - working capital loan
Working Capital approval form

How much will you qualify for?

A final recap on the Working Capital funding program.

Recap - working capital loan funding program

Flexible terms

Easy process

Fast funding

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$5K - $400K

Funding Amount

3-15 Months



Lending Area


Min. Credit Score

Some of the many ways small businesses benefit from the Working Capital funding program.

Emergency funding

Purchase inventory

Stabilize cash flow

Business debt consolidation

Payroll expenses

Marketing campaigns

Equipment upgrades

Hire employees

Here at FundingPilot we make sure to go above and beyond the traditional business lending criteria. We have unique business lending programs, which gives you immediate access to the capital you need. We provide a fast, easy, and efficient funding process so that small business owners, like you, can focus on the most important thing...growing your business!


We treat you like a partner, not just a customer, and will handle your business lending requests with the utmost respect and confidentiality. We take great pride in learning and understanding the needs of your business, which is why we are constantly striving to provide the best quality service. Please take a few minutes to explore our website and give us a call to obtain all of the information you need to make an informed decision.

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