Working Capital Loans – Keep Your Business Moving Forward
At Caplli, we know that keeping your business running smoothly often depends on having access to reliable, short-term funding.
That’s why we specialize in working capital loans for small business owners who need fast, flexible financing to manage day-to-day operations. Based in Dallas, TX, we serve clients across the United States, offering quick working capital funding solutions that are designed to bridge cash flow gaps and keep your business moving forward.
We also know that when unexpected expenses arise or opportunities appear, waiting weeks for a traditional loan approval simply isn’t practical. That’s why our working capital loans—and the related financing options we offer—provide the agility your business needs, delivered with speed, transparency, and a clear understanding of your unique financial situation.
Less uncertainty. More approvals. Powered by Caplli.
What Is a Working Capital Loan?
A working capital loan is a type of short-term financing designed to cover the everyday operational expenses of your business. Unlike loans for long-term investments or major equipment purchases, working capital loans are meant to address immediate needs.
Common uses include:
- Covering payroll during slow sales periods
- Purchasing inventory to meet seasonal demand
- Managing utility, rent, or vendor payments
- Paying for emergency repairs or maintenance
- Bridging the gap while waiting for customer invoices to be paid
- Funding short-term marketing campaigns
In short, these loans help you handle the essential costs of doing business—without depleting your cash reserves or interrupting operations.
Expanding Your Options for Working Capital
Term Loans
For businesses that need a larger infusion of capital with predictable repayment. Term loans provide a lump sum of cash upfront, which you repay over a set period with fixed installments.
Revenue-Based Financing
If your business has consistent sales but limited collateral or credit history, repayments are tied to a percentage of your monthly revenue.
Equipment Loans
For companies whose operations depend on reliable tools, machinery, or technology. By financing new or used equipment, you free up cash reserves for other operating expenses.
SBA Express Loans
When speed matters, SBA Express loans can deliver approvals in as little as 36 hours. With borrowing limits up to $500,000, these government-backed loans are ideal for covering operational expenses.
Why Working Capital Loans Matter for Small Businesses
Cash flow challenges are one of the biggest hurdles for small and mid-sized businesses. Even profitable companies can struggle to pay bills on time if revenue is tied up in receivables or seasonal cycles.
For many of our clients, the key benefits are:
- Speed: Access to funds in days, not weeks.
- Flexibility: Use the funds for any operational need.
- Simplicity: Shorter terms and straightforward repayment schedules.
- Variety of Structures: From term loans to SBA Express, we help you choose the best option.
Our Quick, Streamlined Process
Apply – Fill out our quick online form to provide basic business information.
Review – Our system and team evaluate your financial profile and goals.
Match – We connect you with the best lender in our nationwide network.
Approval – Many of our clients receive approval within 24–48 hours.
Funding – Receive funds directly to your account so you can put them to work immediately.
Smart Matching. Simplified Lending.
Examples of How Clients Use Our Working Capital Loans
- A retail store uses quick funding to stock up on holiday inventory before the busy season begins.
- A construction company covers payroll and supply costs while waiting for payment on a large contract.
- A restaurant invests in an urgent kitchen repair to avoid service disruptions.
- A marketing agency launches a short-term ad campaign to attract new clients and fill the pipeline.
- A trucking company uses an equipment loan to upgrade its fleet while maintaining operating cash flow.
- A healthcare practice secures an SBA Express loan to manage cash flow during an expansion.
Why Choose Caplli for Working Capital Funding?
Nationwide Lender Network – More options mean more competitive rates and terms. Fast Turnaround – Approvals and funding in as little as 24–48 hours. Transparent Terms – We believe in clear agreements without hidden fees. Personalized Support – Our team works with you to recommend the right approach. Flexible Solutions – Term loans, revenue-based financing, equipment loans, and SBA Express options available.
Frequently Asked Questions
Loan amounts vary based on your business revenue, financial history, and repayment capacity. Options can range from a few thousand dollars to several million.
Many clients receive approval within 24–48 hours, with funds deposited shortly afterward. SBA Express loans can be approved even faster.
No. We consider your overall business performance and cash flow, not just your credit score.
Both options are available, depending on your profile and lender requirements.
Yes. Working capital loans, term loans, and SBA Express loans can be used for most operational needs, from payroll to inventory purchases. Equipment loans are designated for machinery or technology purchases.
Repayment terms range from several months to several years, depending on the loan structure and amount.
Keep Your Business Moving with Fast, Flexible Funding
At Caplli, we believe no business should lose momentum because of a short-term cash flow challenge. That’s why we offer a wide range of financing options—from traditional working capital loans to term loans, revenue-based financing, equipment loans, and SBA Express loans. Our goal is to give you the resources you need, when you need them, so you can focus on running and growing your business.
Whether you’re in Dallas or any other city across the country, our streamlined process connects you to the right lender, with transparent terms and personalized support. Contact us today to get pre-qualified or speak with a loan specialist, and let’s make sure your business has the capital it needs to thrive.
Less uncertainty. More approvals. Powered by Caplli.