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Working Capital Loans


Estimated Business Loan Term12 to 36 Months
Rates9% to 45%*
Time in Business Required2 Months
Min Credit Score Require650
Min Monthly Deposits Required5
Min Monthly Revenues$10,000
Min Business Loan Amount$10,000
Max Business Loan Amount$1,000,000
Max Number of Negative Days4 Within a Month
*rates depend on duration of funding

What are Working Capital Loans?

Working capital loans are a great way for existing business owners to get access to additional capital to run their business. Whether you need additional funds to cover payroll expenses or if you are behind on utility expenses, there are no restrictions on how you use the funding. Working capital loans range from ten thousand up to 1 million dollars and they are unsecured so you do not require collateral. These business loans require an approximate credit score of 650 and an overall fair credit history.

We also help small business owners secure working capital loans with bad credit. If you have been denied traditional financing or just do not meet the minimum credit requirements for any type of funding then our merchant cash advance can be a perfect fit. You can access the working capital you need without the strict requirements of traditional working capital loans. If you do not meet the requirements for our working capital loans you can also check out our bad credit business loans to help with your working capital needs if you do not process credit cards.

What Do I Need to Qualify?

Below is a list of the general requirements needed to get approved for our working capital program. Although in some cases there are many additional factors that may be considered, meeting these three requirements gives you a very high chance of having your application approved.

 How Do I Apply?

Applying has never been easier. You can either call our toll free number 24 hours 7 days a week at
 (888) 882-6117
Submit your online application by clicking apply below and entering a few basic details about your business.

What Will a Working Capital Loan Cost You?

The cost of our working capital loans depends on the factor rate and length of time you receive the loan. An example of a typical working capital loan package would be to receive $20,000 for 12 months at a factor rate of 1.15. That would make the additional cost above the loan amount $3,000, so your total pay back amount would be $23,000. Your payment amounts would vary depending on whether you have daily or weekly payments. Use the calculator below to give you an example of total cost scenarios for borrowing and the payments you can expect to make on a daily or weekly basis.


How Much Do I Qualify For?

Working capital loan amounts depend on your monthly revenues and business bank deposits. Approval amounts for working capital can range as high as 70 percent or more of your typical monthly deposits. As an example, if your business currently has monthly gross deposits of $50,000 your likely approval amount would be approximately 35k or more.


Common Factors That Impact Your Working Capital Loan Application

Your credit history has is an important factor with this type of business funding but with working capital loans your business details weigh more in the approval process. We look at time in business, your business banking information, monthly cash flows, and several other key business information.


How Does Paying Back The Working Capital Loan Work?

Once you receive funding via bank deposit you can expect daily or weekly debits from the business bank account for an agreed upon amount over the course of the payback period. If you receive a daily option debits are calculated on a 5 day business week schedule that does not include holidays. If you qualify for the weekly option then you will have a one time weekly debit for the agreed upon amount throughout the course of the payback period.


What is Working Capital

Working capital is the cash required to manage a company’s daily operations, also known as operating liquidity. It is the money used to purchase the goods or inventory that a business sells in order to generate revenues and profit. It is also the capital required to sell that inventory, such as labor and other forms of overhead. Maintaining comfortable working capital levels allows a business to take advantage of money making opportunities as well as operating a business in an optimal way.

What Documents are Needed to Apply?

Documents Required for Less Than $100,000

  • Drivers License
  • Bank Statements
  • Proof of Ownership
  • Property Lease Agreement
  • Business Licenses
  • Voided Check

Additional Documents for Loans More Than $100,000

  • Personal Tax Returns
  • Business Tax Returns
  • Profit & Loss Statement
  • Balance Sheet
  • Business Debt Schedule (possible)
  • Potential for Others

Get a Working Capital Loan for your Business

Are Working Capital Loans Right For You?

Working Capital loans are a great funding option if you require cash for your daily business operations and you do not qualify for traditional business loans. Although working capital loans can be more expensive than traditional financing, the ease and speed at which you can receive funding can make it a very attractive alternative, especially if you need to cover immediate expenses such as payroll or inventory costs. A working capital loan has its pros and cons, but the advantages definitely outweigh the disadvantages if you are trying to grow your business.

Advantages vs. Disadvantages


  • Good Alternative to Bank Loans
  • Only 2 Months in Business Required
  • Low Documentation Requirements
  • Competitive Rates and Terms
  • Quick Funding Turnaround


  • More Expensive Than Traditional Loans
  • Moderate Credit Requirements
  • Some Revenue Requirements
  • Minimum Amount of Bank Deposits
  • Not Long Term

 Working Capital Management

Managing working capital is critical to a company’s success. Buying too much inventory or too little inventory can affect the bottom line of a business. Hiring too many employees or not managing their production can also lead to losses. A business owner must consider every aspect of working capital management to ensure the company can continue its operations. Below are some basic tips that can lead to successful working capital management.

Working Capital Strategies

Managing your cash flow involves establishing and documenting everyday expenses and understanding your working capital limits. Daily assessment of your bank accounts, pending payments, outstanding invoices, and overall financial health are the basic steps in ensuring proper working capital management.

Invest your working capital in cash flow opportunities. Improving your inventory turnover ratio will increase your cash flow so take a proactive role by offering customers incentives or discount prices for larger purchases. Customers will purchase more if they can save money and a phone call or promotional effort can make a real difference when attempting to increase your available capital.

Reinforce timely payments for outstanding invoices. Develop a strict policy for timely payments and your customers will understand from the very beginning that you are not a creditor that can be delayed. Often customers will choose to satisfy your invoices and delay payments to other creditors who are not as diligent.

Balance purchasing to ensure good pricing without too much overstock. Working capital loans can be utilized to increase inventory levels and decrease product costs. Determining the maximum efficiency levels involves an in-depth analysis of customer behavior as we as historical sales data. Document inventory levels, consider seasonal or natural fluctuations, and establish the maximum inventory levels with the least amount of overstock. In your analysis consider the points that are not immediately apparent. For instance, although products on the shelf reduce cash flow, you will not take an aggressive approach to selling inventory that you do not have. Sometimes having inventory forces small business owners to be more proactive, and ultimately more productive. However, too much inventory may cause even the most proactive owners to remain with some inventory. Combine data from inventory with the success or failure of proactive approaches and you will surely be able to utilize working capital efficiently.

Distributing working capital effectively is not just about inventory, it also involves managing labor costs and productivity. Business owners often fail to manage their employees correctly. Wasting labor hours is no different than leaving stock on shelves. You must delegate production to employee strengths and hire additional labor only when you require labor to meet production needs. A daily, strategically prepared list of tasks before the day begins will result in maximum output amongst your existing labor team and reduce the need for additional employees.

Working capital plays a critical role in the development and growth of any business. It is important to understand both the funding and management aspects of working capital as your company grows. For further reading on the topic explore the guide to working capital.

Working Capital Loans FAQ’s

This type of business funding has low document requirements so you can receive funding possibly in the same day you apply.

This type of loan approval is weighted more on your business health so there is flexibility with credit score requirements.

There are no restrictions, you can use the loan how you see fit.

It may be possible, each application is looked at on a case by case basis. Speak with your representative for more details.

These working capital loans are not from banks, they are offered through private investor funds.

This can depend on several details about the offer but it is definitely possible. Speak with your representative.

A minimum of two months in business is required.

No. We take pride in the privacy we offer our clients, we never sell your information to anyone.

Why Choose Shield Funding

  • No Collateral Required with Working Capital Loans
  • Competitive Rates & Terms
  • Flexible Repayment Options Available
  • No Hidden Costs or Fees
  • Bad Credit Working Capital Loans
  • Funds Deposited Quickly

Check Out Reviews on Our Company

Working Capital Loans Review

  • Competitive Rates & Terms
  • Flexible Credit History Requirements
  • Flexible Payment Options
  • Fast Funding Turnaround
  • Low Minimum Time in Business
  • Great for Assisting with Operational Expenses

Still Need Advice?

We are here to
answer any of your questions.

 (888) 882-6117
 [email protected]