Working capital loans. Fast capital, flexible repayment.
Working capital financing gives you access to capital based on your business revenue — repaid automatically as a percentage of daily sales. No fixed monthly payment, no collateral, minimal documentation. One of the fastest paths to business funding available.
How Working Capital works with Gateway Capital
Provide basic business info and 3 months of bank or processing statements. No hard credit pull.
We match you to funders who specialize in your industry and revenue volume.
See the advance amount, factor rate, and estimated repayment timeline. Full transparency before you sign.
E-sign your agreement and funds are in your account the same business day in most cases.
Why businesses choose Working Capital
The fastest funding product available — many businesses receive capital the same day they apply.
Repay as a percentage of daily sales — payments are naturally lower in slow periods and higher in busy ones.
Typically just 3–6 months of bank or processing statements. No tax returns, no extensive financial statements.
There's no set monthly payment to miss. Repayment adjusts automatically with your revenue — reducing stress in slow months.
No restrictions on how you use the capital — inventory, payroll, marketing, repairs, opportunities.
Working capital lenders focus on revenue and sales volume more than credit score. 500+ scores often qualify.
When to use Working Capital
Emergency Capital
Handle an urgent expense that can't wait for traditional loan approval timelines.
A restaurant's HVAC system fails in July — they get $30,000 funded same-day to replace it.
Seasonal Inventory
Stock up before peak season when traditional lenders may be slower.
A gift shop gets $75,000 funded in 24 hours to purchase Q4 holiday inventory.
Marketing Opportunities
Fund a time-sensitive campaign or promotional event.
A salon receives $20,000 to fund a local marketing blitz and triple new client bookings.
Payroll Coverage
Ensure payroll is met during a cash flow crunch.
A contractor draws $40,000 to cover 2 weeks of payroll while waiting on a delayed payment.
Equipment Repair
Fix critical equipment immediately without downtime.
A printing company gets $25,000 to repair a press that broke down mid-contract.
Opportunity Seizure
Move fast on a deal that can't wait for a bank loan.
A retailer gets $100,000 in 24 hours to purchase discounted inventory from a closing competitor.
One 2-minute application. Matched to the best working capital lenders for your profile.
Common questions about Working Capital
How does working capital financing work?
A working capital lender provides a lump sum of capital upfront. In exchange, you agree to repay a larger total amount (determined by the factor rate) through a percentage of your daily credit card, debit card, or bank revenue — automatically. For example: a $100,000 advance with a 1.3 factor rate means $130,000 total repayment, paid at 10% of daily revenue until the balance is cleared.
How can working capital financing help my business?
Working capital financing solves the speed problem in business lending. When you need capital now — for an emergency, a seasonal opportunity, or a time-sensitive decision — it can fund the same day. The revenue-based repayment means you're never stuck with a fixed payment you can't afford in a slow month. The trade-off is cost — working capital products are more expensive than term loans or SBA products — but for the right situation, the speed and flexibility justify it.
What is a factor rate and how does it compare to an interest rate?
A factor rate (like 1.3) is different from an APR. A 1.3 factor rate means you repay $1.30 for every $1.00 borrowed — so $100,000 becomes $130,000 total. This is simpler to calculate but typically more expensive than a traditional interest rate when expressed as APR. Working capital products are best when speed and flexibility matter more than minimizing cost.
Can I get working capital financing with bad credit?
Yes — working capital lenders focus primarily on your revenue and daily sales volume, not your credit score. Many businesses with 500 credit scores receive funding. A consistent history of business revenue is the most important qualifying factor.
How long does it take to repay a working capital loan?
Repayment timelines are estimated, not fixed — they depend on your daily sales volume. Typical estimated repayment periods range from 3–18 months. Higher daily revenue means faster repayment. The retrieved percentage is fixed, so slower months extend repayment and faster months shorten it.
What is the minimum revenue needed to qualify?
Most working capital lenders require at least $10,000/month in business revenue. Some lenders will work with businesses doing $7,500–$10,000/month at slightly higher rates. The stronger your revenue, the better the terms you'll be offered.
Other funding products
Get matched to Working Capital lenders today.
Two minutes to apply. No hard credit pull. Funded in Same day.
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