Quick Access to Business Capital When You Need It
Running a successful business in Dallas means having access to capital when opportunities arise. Whether you need to cover payroll during a slow season, purchase inventory for a big order, or invest in marketing to grow your customer base, our working capital loans provide the fast, flexible funding your business needs.
Why Dallas Businesses Choose Our Working Capital Loans
Unlike traditional bank loans that take weeks to process, our working capital solutions are designed for the pace of modern business. We’ve funded over 50,000 small businesses because we understand that timing matters.
Speed That Matches Your Business Needs
When a growth opportunity presents itself, you can’t wait 6-8 weeks for bank approval. Our streamlined process means you can apply in minutes, receive approval in hours, and have funds in your account the same day.
Approval Based on Business Health, Not Just Credit
Traditional lenders focus heavily on personal credit scores. We take a more holistic approach, considering your business revenue, cash flow patterns, and overall business health. This means we can approve many Dallas businesses that banks turn down.
How Our Working Capital Loans Work
Our working capital product uses factor rates rather than traditional interest rates. A factor rate is a simple multiplier that determines your total repayment amount.
Example: A $100,000 loan with a 1.15 factor rate means you repay $115,000 total. With a 12-month term, that’s approximately $9,583 per month in automatic payments.
Repayment Options
We offer flexible repayment schedules to match your cash flow:
- Daily remittances - Smaller amounts deducted each business day
- Weekly remittances - Larger payments once per week
- Monthly payments - Traditional monthly payment structure
Choose the option that works best for your business operations.
What You Can Use Working Capital For
Our working capital loans can fund virtually any legitimate business need:
- Inventory purchases - Stock up for busy seasons or large orders
- Payroll coverage - Ensure your team gets paid on time
- Equipment repairs - Keep your operations running smoothly
- Marketing campaigns - Invest in growth and customer acquisition
- Expansion costs - Open new locations or expand facilities
- Debt consolidation - Simplify payments and potentially reduce costs
Requirements and Eligibility
Learn more about how to get approved for a working capital loan to maximize your chances.
To qualify for our working capital loans, your business typically needs:
- Time in business: Minimum 6 months operating history
- Monthly revenue: At least $15,000 in monthly revenue
- Bank account: Valid business bank account
- Credit score: Minimum 500 FICO (we consider overall business health)
Even if you’ve been turned down by banks, we may be able to help. Our data-driven underwriting looks at the complete picture of your business.
Apply for Working Capital Today
Ready to access the capital your Dallas business needs? Our team is standing by to help you find the right financing solution.
The application takes just minutes, and pre-qualification doesn’t impact your credit score. Get started today and see how much you qualify for.