United States working capital is short-term funding that covers the everyday operational costs of running a United States business — payroll, inventory, rent, vendor payments, utilities, and the seasonal cash flow gaps every United States operator deals with. Unlike equipment financing, which is tied to specific purchases, working capital is flexible. You decide where it goes — whether that's stocking inventory before peak season hits, covering payroll during a slow August, or repairing natural disaster damage so you can reopen quickly.
If your United States business is generating at least $10,000 in monthly revenue and has been open at least 6 months, you qualify. Our working capital starts at $25,000 and goes up to $5,000,000 based on your monthly bank deposits. Most United States businesses receive funding within 24 hours of approval. State tax treatment varies widely, so where you operate changes how far a dollar of working capital goes.
Why United States Businesses Need Specialized Working Capital
Business across the United States runs on regional cycles. Summer beach seasons, winter ski and resort seasons, harvest cycles, severe weather season on the Gulf and Atlantic coasts, and winter storms in the North all move revenue up and down. Construction booms come and go with population growth. Your monthly cash needs reflect these realities, and working capital structures need to match.
We underwrite based on real regional cash flow patterns. We understand that a beach-town restaurant may do far more in July than in January — and we structure repayments to handle that variation. We understand that a contractor's revenue may pause for two weeks after a major storm and then surge for months on rebuild work. Generic bank underwriting can't model that.
How Much United States Working Capital Can You Qualify For
- $10,000 - $25,000 monthly revenue — qualifies for $25,000 to $50,000
- $25,000 - $50,000 monthly revenue — qualifies for $50,000 to $125,000
- $50,000 - $100,000 monthly revenue — qualifies for $125,000 to $250,000
- $100,000 - $250,000 monthly revenue — qualifies for $250,000 to $500,000
- $250,000+ monthly revenue — qualifies for $500,000 to $1,000,000+
United States Working Capital vs SBA and United StatesCommerce Programs
The SBA and many states offer lending programs (SBA 7(a), SBA Express, SBA 504, and state small-business programs). These programs offer favorable rates but come with significant constraints: strict qualification requirements, lengthy application processes (60-120 days), substantial documentation, and program eligibility limitations. SBA Disaster Loans have improved but still take weeks to fund.
Private working capital like ours complements rather than competes with state and federal programs. We're faster (24 hours vs 60-120 days), accept lower credit scores (500+ vs 680+), require less documentation (bank statements only vs full financial packages), and have no program-eligibility restrictions. The cost is higher, but for time-sensitive needs — disaster recovery, seasonal inventory buys, vendor early-pay discounts, urgent equipment failures — we're the right answer.
Application Process for United States Working Capital
- Apply online — Tell us about your United States business, upload 3 months of bank statements. Soft credit pull only.
- Same-day decision — Underwriters review within hours and respond with your offer including amount, terms, and total cost.
- Sign and fund — Review and sign electronically. ACH transfer initiated within hours. Funds typically hit your account within 24 hours.
- Repayment — Small automatic daily or weekly ACH withdrawals begin a few days after funding, sized to fit your seasonal cash flow.
Industries We Fund in United States
Tourism and hospitality (hotels, vacation rentals, restaurants, attractions), construction and contractors (residential, commercial, disaster recovery), healthcare (medical practices, dental, urgent care, home health), retail and e-commerce, transportation and logistics, manufacturing, real estate services, professional services (legal, accounting, consulting), beauty and wellness, automotive, and the full breadth of America’s diverse business economy.
