What is a working capital loan?
Working capital is the money that keeps day to day operations moving: payroll, rent, inventory, supplies, fuel and marketing. A working capital loan gives your business a lump sum of cash for those short and medium term needs, which you repay on a fixed schedule from future revenue.
Unlike a bank loan that can take weeks and a stack of tax returns, most working capital products offered through our partners are underwritten mainly on your business bank activity and revenue. That makes them a strong fit for Miami companies that are growing quickly, have seasonal swings, or have credit that does not reflect how healthy the business really is.
How Miami businesses use working capital
- Payroll during slow weeks. Keep your team paid when tourism, events or construction schedules dip.
- Inventory and purchase orders. Stock up before season, or fill a large order from a new customer.
- Hurricane season prep and recovery. Cover repairs, supplies and lost days without draining reserves.
- Marketing and expansion. Open a second location, launch a new service line or invest in advertising.
- Bridging receivables. Pay suppliers while you wait 30, 60 or 90 days for clients to pay invoices.
- Refinancing expensive short term debt into a longer, more manageable payment.
Typical terms through our funding partners
| Funding amount | $10,000 to $10,000,000 |
|---|---|
| Repayment term | 12 to 60 months, depending on product and profile |
| Payment schedule | Automated daily, weekly or monthly payments |
| Main documents | Short application and recent business bank statements |
| Credit | Fair and challenged credit considered, revenue matters most |
| Repeat funding | Many partners offer more capital once about half is repaid |
These ranges are typical, not promises. The lender sets the final amount, cost and term after reviewing your file.
Who qualifies?
Requirements vary by lender, but a working capital request usually moves fastest when your business:
- Has a business bank account with steady deposits
- Has been operating for at least several months (longer history unlocks larger amounts and longer terms)
- Can show consistent monthly revenue on recent statements
- Is not currently in an open bankruptcy
Newer businesses, owners with past credit problems and companies in industries banks avoid can still qualify. In those cases cost and term will reflect the extra risk, and we will tell you plainly whether the numbers make sense.
Working capital loan vs. line of credit
A working capital loan pays out one lump sum with a set repayment schedule, which is ideal for a known expense such as a large order or a renovation. A line of credit lets you draw only what you need, when you need it, and pay interest on the balance you use. Many Miami owners use both: a term product for a planned project and a line of credit as a cash flow safety net.
How to apply
Complete our two minute application, then send your recent business bank statements. We match your file with lenders and funding partners that fit your industry, revenue and credit, and walk you through every offer, including the total cost of capital and payment amount, before you decide.