Working Capital Loans to Keep Things Running

Working capital is the cash your business needs to cover its everyday operations — payroll, rent, inventory, utilities — separate from any specific big-ticket purchase. A working capital loan is general-purpose funding meant to smooth out cash flow, not tied to buying one particular asset the way equipment financing is.

It's a common fit for seasonal businesses covering a slow stretch, businesses waiting on outstanding invoices, or anyone who needs a cash cushion to keep operations running smoothly while revenue catches up.

Your business should generally be operating for at least 3 months and generating revenue. We serve businesses across the U.S. and Canada, and there's no hard credit check to see what you qualify for — we focus on your business's revenue and health, not just a credit score.

Working capital loans through FundZip have no fixed maximum and are typically unsecured, meaning no collateral is required. Because they're general-purpose and don't require the extensive documentation SBA loans do, most applicants are approved within hours and funded as soon as the next business day.