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Working Capital Loan

Fast, flexible funding for day-to-day operations - payroll, inventory, rent, and suppliers.

LOAN RANGE

Subject to lender approval

TURNAROUND

Subject to lender approval

Best for established businesses that need flexible, general-purpose funds quickly and prefer approval based on revenue rather than collateral.

About Working Capital Loan

Working capital financing gives a business fast, flexible funding to cover everyday operating needs — payroll, inventory, rent, marketing, or simply smoothing out the gap between money going out and money coming in. Unlike a loan tied to a specific purchase, working capital is general-purpose: you use it wherever the business needs it most.

Because approval is driven primarily by your revenue and cash flow rather than collateral, working capital is one of the fastest ways for an operating business to access funds. Slate Financial shops your file across multiple funders to match you with the structure that fits your revenue pattern and growth plans — whether that's a short-term advance, a term loan, or a revolving line.

How It Works

  1. 1Submit a short application with your recent business bank statements so funders can see your real revenue and cash-flow pattern.
  2. 2Our team reviews your average monthly deposits, time in business, and existing obligations to size the right amount and structure.
  3. 3We present offers from competing funders so you can compare the amount, payment, and term side by side.
  4. 4Once you accept, funds are typically deposited within one to three business days.
  5. 5Repayment is set to match your cash flow — daily, weekly, or monthly — so the obligation stays manageable.

Who Qualifies

  • Operating businesses with at least three to six months of revenue history
  • Average monthly business deposits that comfortably support the requested payment
  • A business bank account that receives regular deposits
  • Owners across a wide credit range — strong revenue can outweigh a lower credit score

Typical Terms

AmountSubject to lender approval
Term3 – 24 months
Funding speedSubject to lender approval
Time in business6+ months preferred

Pros & Cons

Advantages

+Funds can be used for any business purpose, with no restrictions
+Fast approval and funding, often within a few business days
+Approval weighted on revenue, not just credit
+Minimal paperwork compared to bank loans

Considerations

-Shorter-term, revenue-based structures can carry a higher cost of capital than a bank loan
-Frequent (daily or weekly) payments may be required on some structures
-Amounts are tied to your revenue, so very new businesses may qualify for less

Ready to Apply for Working Capital Loan?

Fill out the application below and a funding advisor will reach out within 1 business day.

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Program Highlights

Funds in 1-3 business days
Approval based on revenue, not just credit
No collateral required
Use for any business purpose

Required Documents

Have these ready to speed up your approval:

📄4 months business bank statements
📄Driver's license
📄Voided business check
📄1-page business application

Typical Timeline

Subject to lender approval

Timeline begins after all required documents are received and verified.

Need Help?

Talk to a funding advisor

📞 (843) 290-8928

Frequently Asked Questions