Working Capital Loans
Short-term funding designed to cover everyday operational expenses, from payroll and rent to inventory and supplier payments. Keep your business running smoothly without disrupting cash flow.
Overview
What Is a Working Capital?
Our Working Capital Loans provide businesses with the short-term liquidity needed to manage daily operations without compromising long-term financial stability. Whether you are covering a payroll cycle, restocking inventory, or managing accounts payable, these funds ensure your business maintains operational continuity. We fund amounts from $25,000 to $1,500,000 with terms ranging from 3 to 24 months. Repayment is structured as fixed daily or weekly payments, giving you complete predictability in your financial planning. Our underwriting team evaluates your overall business health rather than relying exclusively on credit scores, making this an accessible option for businesses across a wide range of industries.
Key Features
- Funding amounts from $25,000 to $1,500,000
- Terms from 3 to 24 months with fixed repayment schedules
- Daily or weekly automated repayment options
- No prepayment penalties on most programs
- Funds available for any legitimate business purpose
- Dedicated funding advisor assigned to your account
Process
How It Works
Consultation
Speak with one of our funding advisors to discuss your operational needs and determine the appropriate funding amount and term structure for your business.
Documentation
Provide your most recent business bank statements, a simple one-page application, and a valid government-issued ID. No tax returns or financial statements required for most programs.
Underwriting & Approval
Our team reviews your application and bank activity to assess your business's ability to service the loan. Decisions are typically rendered within one to two business days.
Funding & Repayment
Approved funds are deposited directly into your business account. Repayment begins according to the agreed-upon schedule, with fixed daily or weekly debits from your account.
Benefits
Why Choose a Working Capital?
Predictable fixed payments simplify budgeting and financial forecasting
Fast access to capital prevents operational disruptions
Flexible use of funds with no restrictions on business expenditures
Builds a relationship with DD Capital for future funding needs
No requirement to pledge personal assets or real estate as collateral
Eligibility
Qualification Requirements
- Minimum 6 months in business
- At least $15,000 in average monthly revenue
- Active business bank account in good standing
- No active tax liens exceeding $50,000 (payment plans accepted)
- Business owner must be a U.S. citizen or permanent resident
Use Cases
Common Uses
- Meeting payroll obligations during seasonal revenue dips
- Purchasing inventory at volume discounts from suppliers
- Covering rent, utilities, and other fixed operating costs
- Funding accounts payable to maintain vendor relationships
- Investing in short-term marketing or advertising initiatives
- Managing cash flow gaps caused by slow-paying clients
FAQ
Working Capital Questions
A working capital loan provides a lump sum of capital with a fixed repayment schedule, whereas a line of credit offers revolving access to funds that you draw upon as needed. Working capital loans are ideal when you have a specific, known funding requirement. Lines of credit are better suited for ongoing or unpredictable cash flow needs.
Most of our working capital programs are unsecured, meaning no specific collateral is required. We do require a general business lien (UCC filing), which is standard across the industry. Your personal real estate and assets are not at risk under the standard terms of our working capital products.
We understand that business revenue can fluctuate. If you experience a sustained decrease in revenue, contact your dedicated funding advisor immediately. We offer restructuring options in certain circumstances, including modified payment schedules, to help you manage your obligations without defaulting.
Most of our working capital programs do not carry prepayment penalties. In some cases, early repayment may qualify you for a discount on the remaining balance. Your funding advisor will clearly outline any applicable terms before you accept an offer, ensuring there are no surprises.
Funding amounts are determined by your monthly revenue, time in business, and overall financial health. As a general guideline, most businesses qualify for approximately one to one-and-a-half times their average monthly revenue. Our advisors will work with you to identify the right amount that supports your needs without overextending your repayment capacity.
Ready to Get Started with a Working Capital?
Apply today and a funding advisor will walk you through your options.