Working capital loans
Fast term loans for inventory, payroll, and day-to-day operations.
Working capital loans deliver a lump sum of cash repaid over 6 to 36 months, ideal for predictable short-term needs like seasonal inventory builds, payroll bridges, marketing campaigns, or unexpected expenses. Simpler underwriting and faster funding than SBA or bank term loans.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Loan size
- $10K to $500K
- Term length
- 6 to 36 months
- Typical rate
- 9% to 30% APR
- Time to fund
- 2 to 5 days
- Collateral
- Usually unsecured
- Lump-sum funding in 2 to 5 business days
- Fixed daily or weekly payments
- No collateral required on most programs
- Build business credit with on-time payments
- 1+ year in business
- $15K+ monthly revenue
- Minimum 600 credit score
- Last 3 to 6 months business bank statements
Ideal use cases
Seasonal inventory, payroll bridges, marketing pushes, equipment repairs, or covering unexpected expenses.
Common questions about working capital.
How is this different from a line of credit?
Working capital is a one-time lump sum repaid on a fixed schedule. A line of credit is revolving and refills as you repay.
Is there a prepayment penalty?
Many working capital lenders charge the full interest regardless of early payoff. Some offer prepayment discounts, ask up front.
Can I stack multiple working capital loans?
Most lenders prohibit stacking. Combining loans without disclosure can trigger default. We help you consolidate when appropriate.
Ready to apply?
Talk with a Texas-based TCS advisor. Free consultation, soft credit check only, response within 24 hours.
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