Working Capital Loans for Small Business
Working capital helps cover operating expenses when cash coming in does not line up with bills coming due. Pro Capital is a broker, not a lender, helping small businesses compare funding. Apply with a soft credit pull only.
Estimate payments with our calculatorCommon uses for working capital
- Payroll while waiting for customer payments.
- Inventory purchases ahead of a seasonal sales period.
- Receivables gaps between completing work and collecting an invoice.
These uses are illustrative only. Match the repayment schedule to your business cash flow rather than assuming future sales will cover it.
Working capital vs. other funding routes
| Route | When it may fit |
|---|---|
| Working capital | Operating expenses and temporary cash-flow gaps; lender terms vary. |
| Term loan | A defined lump-sum use with an agreed repayment schedule; 680+ FICO. |
| Line of credit | Reusable access to funds as needed; 680+ FICO. |
| Merchant cash advance | Revenue-based funding with a different repayment structure; review total cost and collection frequency. |
Pro Capital term loans and lines of credit start at Prime + 1. Other product pricing depends on the lender and profile; there is no loan minimum or maximum.
How Pro Capital helps
Pro Capital helps business owners compare lenders through one application and a dedicated Pro. A soft credit pull does not affect your credit score. Your Pro explains offers, repayment schedules, costs, and conditions so you can decide whether funding fits your cash flow.
Documents and qualifications
- 1-page application
- 4 months of bank statements
Time in business and revenue requirements vary by lender — ask a Pro.
Credit requirements vary by lender. Pro Capital has a program for every credit score. Term loans and lines of credit specifically need 680+ FICO.
A lender may request additional documents after reviewing your application. There is no single revenue or operating-history floor for all working-capital options.
Working capital benefits
- Some lenders may fund quickly; no timeline guaranteed
- Unsecured options with no collateral needed
- Funding for a range of operating expenses
Costs and fees
Review the total cost, payment frequency, repayment term, and any personal guarantee before accepting. Final conditions are set by the participating lender.
Frequently asked questions
- What credit score do I need for working capital?
- Credit requirements vary by lender. Pro Capital has a program for every credit score. Term loans and lines of credit specifically need 680+ FICO; that is not a universal working-capital requirement.
- Do I need collateral?
- Unsecured working-capital options are available through Pro Capital. A lender may require a personal guarantee or other conditions; review the specific offer before accepting.
- How quickly can I receive working capital?
- Some lenders may fund quickly; no timeline guaranteed. Timing depends on the product, lender, documentation, and eligibility.
- Does applying affect my credit score?
- Pro Capital uses a soft credit pull only, which does not affect your credit score. Participating lenders evaluate your business information to determine eligibility.