Working Capital Loans
See What You Qualify For in 60 Seconds
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See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Working Capital Loans Work
You receive a lump sum deposited directly to your business checking account. Repayments are typically daily or weekly via ACH, based on a fixed amount. The full cost is disclosed upfront - no hidden fees, no compounding interest.
Best For
Ideal Use Cases for Working Capital Loans
Real Scenarios
Who Uses Working Capital Loans?
These are the kinds of situations where working capital loans make the most sense.
Seasonal Inventory Ramp-Up
A retail store owner borrows $150K in September to stock holiday inventory, repaying from the surge in Q4 sales before the new year.
Payroll Bridge During Slow Season
A landscaping company uses $40K to cover payroll during a slow winter quarter while waiting for spring contracts to kick in.
Emergency Roof Repair
A restaurant owner secures $25K overnight after a sudden roof leak threatens to shut down the dining room during peak season.
Marketing Push for Grand Opening
A new gym franchise draws $60K to fund a marketing blitz and promotional memberships during its critical first ninety days open.
Large Purchase Order Fulfillment
A wholesale distributor gets $200K to buy product for a major big-box retailer order that will pay net-60, bridging the cash gap.
Tax Payment Coverage
An accounting firm secures $35K to cover a quarterly estimated tax payment, repaying over eight weeks from steady client billings.
Full Transparency
Pros & Cons of Working Capital Loans
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Working Capital Loan Pricing - Full Transparency
Factor Rate: 1.10 - 1.50 (typical range)
Equivalent APR: 15% - 80%+ (varies by term length)
Fees
Origination fees of 0-3% may apply. No prepayment penalties with most lenders in our network.
How to Reduce Your Cost
Higher monthly revenue, longer time in business, and strong bank statements typically qualify you for lower factor rates. Applying before you're in a cash emergency gives you more options.
Typical Cost Examples
Rates shown are typical ranges from lenders in our network. Your actual rate depends on revenue, time in business, credit profile, and other factors. Working capital costs more than traditional bank loans but funds in hours instead of months.
Full Transparency
Is Working Capital Loans Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
Compare
How Working Capital Loans Compare
Side-by-side look at how this product stacks up against alternatives.
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See What You Qualify For. No Credit Impact.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries
Popular in These Industries
Working Capital Loans are a top choice for business owners in these sectors.
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Learn More →Revenue-Based Financing
Payments adjust with your sales volume — less during slow periods, more during peaks.
Learn More →Merchant Cash Advance
If your business runs primarily on credit card sales, MCA payments flex with daily card volume.
Learn More →Free Tools
Try Our Free Calculators
Estimate costs, compare products, and see what you could qualify for — no email, no signup.
Loan Cost Calculator
See total repayment, payment amount, and APR equivalent for working capital loans.
Try Calculator →Qualification Estimator
Enter your business details to see your estimated approval range.
Try Calculator →Line of Credit Calculator
Compare a lump sum loan vs a revolving line of credit.
Try Calculator →FAQs
Working Capital Loans FAQs
Working Capital Loans for Small Business - Same-Day Funding from 70+ Lenders
Working capital loans provide fast, flexible business funding with no restrictions on use. Unlike traditional bank loans that take 60-90 days and require perfect credit, working capital loans from Basecamp Funding's network of 70+ lending partners fund as fast as same day with no minimum credit score requirement. Typical amounts range from $10K to $2M with terms from 3 to 24 months.
Business owners use working capital loans to cover payroll gaps, bridge cash flow between receivables, fund seasonal inventory purchases, handle emergency expenses, and seize time-sensitive growth opportunities. Construction contractors, trucking companies, restaurants, healthcare practices, manufacturers, attorneys, auto repair shops, wholesale distributors, and med spas trust Basecamp Funding for fast working capital. One 60-second application, no hard credit pull, no collateral required.
“Needed $60K to cover payroll during a slow season. Funded in 2 days, no collateral required. Lifesaver.”
Maria L.
Restaurant Owner | Denver, CO
The Only Risk Is Not Knowing What's Available to You
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