What is working capital?
Short-term business funding for payroll, inventory, rent and day-to-day operating costs.
Who it fits
- At least 12 months in business
- $25,000+ per month in business bank deposits
- Recent business bank statements (usually the last 3–4 months)
- No open defaults on existing advances
Costs and terms
Pricing, amounts and repayment depend on the funder and your file. We present offers as funders issue them so you can compare total cost before you sign.
Other options
Merchant Cash Advance
An advance against future card and bank deposits, repaid as a share of revenue. Often used by businesses with steady sales that need capital quickly.
Working Capital
Short-term business funding for payroll, inventory, rent and day-to-day operating costs.
Business Line of Credit
A revolving credit limit you draw from as needed and pay interest or fees only on what you use.
Equipment Financing
Funding to buy or lease equipment, where the equipment typically secures the financing.
Invoice Factoring
Turn unpaid B2B invoices into cash by selling them to a factoring company at a discount.
Revenue-Based Financing
Capital repaid as a percentage of future revenue, so payments flex with your sales.
UrLendr connects business owners with independent funding providers. Funders make all approval decisions and set all terms. Approval is not guaranteed.
Frequently asked questions
How fast can working capital be funded?
Timing depends on the funder and how quickly documents are complete. Some files fund within days of a complete submission; no timeline is guaranteed.
Will applying for working capital affect my credit?
Some funders run a soft or hard credit pull. Ask us which applies before you accept an offer.