Working capital

Working Capital & Business Lines of Credit

Flexible operating capital — revolving lines, term loans, and business credit cards — for cash-flow management, growth, and opportunity capture.

See my options How it works

Best for

  • Operating cash-flow management
  • Inventory and receivables financing
  • Growth and expansion capital
  • Acquiring competitors or assets

What you'll need to qualify

  • 2+ years in business
  • $50K+ in monthly revenue (line of credit)
  • 650+ personal credit (typical)
  • Profitable or trending profitable

How it works

  1. 1

    Quick application with business financials and bank statements.

  2. 2

    Underwriting based on cash flow and business performance — not just credit score.

  3. 3

    Funding within days of approval; revolving lines refill as you repay.

The trade-offs

Pros

  • • Pay interest only on what you draw
  • • Revolving — use, repay, reuse
  • • Faster than CRE / SBA financing

Trade-offs

  • • Smaller amounts than CRE products
  • • Annual or draw fees may apply
  • • Personal guarantee typical

Not ready to apply?

Ask us about Working Capital & Business Lines of Credit

Tell us roughly what you need and a Caplli advisor will come back with real lender appetite — no application, no credit pull.

No credit check to enquire · we never sell your details
A $500 credit review & due diligence fee applies once you formally apply — refunded if we can't get you terms.

See what you qualify for

Compare Working capital offers from 75+ lenders. No credit hit, no obligation.

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Questions

Working capital — common questions

What loan amounts does Working capital financing cover?

$100K – $5M. 2+ years in business

How fast can a Working capital close?

5 – 15 business days. Funding within days of approval; revolving lines refill as you repay.

What rate should I expect?

Prime + competitive spread for well-qualified borrowers, on terms of Revolving / 1 – 5 years. Actual pricing depends on leverage, sponsor experience, asset quality and where the debt markets are — the rate on your term sheet is the one that counts.

What do I need to qualify?

2+ years in business. $50K+ in monthly revenue (line of credit). 650+ personal credit (typical). Profitable or trending profitable.

What should I watch out for?

Smaller amounts than CRE products. Annual or draw fees may apply. Personal guarantee typical. We'll tell you which of these actually bite on your deal rather than leaving you to find out at underwriting.

Ready when you are

Ready to price a Working capital?

Submit the deal and we'll bring you competing terms from lenders with active appetite — or talk it through with an advisor first.

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Free quote, no credit check.