Smooth out cash flow. Stay liquid.
Bridge the gap between payroll, inventory, and your next major invoice. Keep everyday operations running without friction while you focus on growth.
Check Your EligibilityProduct Details
- Up to $250,000
Based on monthly revenue and business health
- Terms up to 18 months
Flexible repayment schedules that match your cash cycle
- Rates from 1.1x — 1.4x factor
Transparent factor rates, no hidden origination fees
- Fund in as fast as 24 hours
Once approved, capital hits your account fast
- Weekly or monthly cadence
Choose the repayment frequency that works for your operations
- No collateral required
Unsecured funding based on your revenue performance
Requirements
What working capital covers.
Working capital is the most flexible funding type. It covers the day-to-day operational needs that keep your business running and growing.
Payroll Coverage
Bridge the gap between receivables and payroll dates. Keep your team paid on time without dipping into reserves.
Inventory Purchases
Stock up ahead of peak season or take advantage of bulk pricing from suppliers when the timing is right.
Vendor Payments
Pay vendors on time — or early — to maintain good relationships and access to better terms.
Rent & Overhead
Cover fixed operating costs during slower months without disrupting your growth plans.
Marketing Spend
Fund a campaign when opportunity strikes. Revenue-generating spend that pays for itself.
Emergency Reserves
Have capital available for unexpected expenses — equipment breakdowns, supply chain disruptions, or sudden demand.
The process.
From application to funded — here's what to expect.
Apply Online
Complete the application in under 10 minutes. Basic business and financial information — no extensive paperwork upfront.
Soft Pull Review
We review your business profile using a soft inquiry that does not impact your score. You see your options before committing.
Review Offers
Receive one or more funding offers with transparent terms — rate, amount, term length, and total cost. No surprises.
Accept & Fund
Choose the offer that fits. Capital can be deposited into your business account in as fast as 24 hours after approval.
Working capital questions.
What credit score do I need?
Working capital products are available to businesses with personal scores as low as 550. Your score affects the rate and terms available, but a lower score doesn't automatically disqualify you. Revenue, time in business, and cash flow are weighted heavily.
How much can I qualify for?
Qualification is based on your monthly revenue. Most working capital products offer up to 1-1.5x your average monthly revenue, with a maximum of $250,000. Businesses with strong, consistent revenue typically qualify for higher amounts.
What are factor rates?
A factor rate is a multiplier applied to your advance amount. For example, a 1.2x factor rate on a $100,000 advance means you repay $120,000 total. Unlike APR, factor rates don't change based on how quickly you repay.
Will applying affect my score?
No. The initial review uses a soft inquiry only. A hard inquiry would only occur if you choose to move forward with a specific offer, and you would be notified before that step.
How fast can I get funded?
Many working capital products fund within 24-48 hours of approval. The speed depends on the lender and the completeness of your application. Having bank statements and business documents ready speeds up the process.
Can I repay early?
Policies vary by lender. Many working capital products do not offer early repayment discounts because they use factor rates rather than interest rates. We'll clearly indicate the terms before you accept any offer.
From our clients.
“fundboo positioned our profile and coordinated the entire funding process. Within 60 days, we had the capital to purchase two new excavators and bid on contracts we couldn't touch before.”
“We tried three different services before fundboo. The difference was they didn't just run letters — they built our entire profile from scratch and matched us with lenders who understood healthcare.”
Ready to see your options?
Take the eligibility assessment and find out what you may qualify for. No impact to your score.
Get Started