Fast Working Capital Loans for Your Business Growth

Access Same-Day Funding Tailored For Your Business.

* Advance Funds Network does not provide funding for startups,
Read qualification requirements here.

Access the Working Capital Your Business Needs

Apply Online

Kickstart your funding journey with a simple online application. It’s quick, user-friendly, and gets you on the fast track to financial support.

Compare Approvals

We provide you with various funding options tailored to your business needs. Take your time to compare and choose the best fit. Our transparent comparison makes it easy to understand your choices.

Receive Funding

Once you pick the best option, the funds are quickly processed and made available to you. Experience a smooth funding process designed to get the capital to your business efficiently.

Working capital that works hard for Small businesses

Every day brings a new challenge. For a small business, being ready for anything is the biggest asset. Whether it’s grabbing more inventory before a big sale or fixing equipment fast to avoid downtime, waiting around for funding isn’t an option.

Our Working Capital Loans are simple & fast. We understand the value of your time and the urgency of your needs. That’s why our funding process is as straightforward as possible. No waiting weeks for an answer.

Gain a partner who’s committed to seeing your business succeed. Get the peace of mind that comes with having funds available exactly when you need them.

Flexible working capital loans

Every business hits a cash flow crunch. Traditional lenders don’t always get the real picture. They see numbers, not the opportunity or the pinch you’re in.


Perhaps you’re facing seasonal dips or you’ve got clients who are slow to pay. These are moments when you need more than just money. You need a solution that understands the flow of your business. One that matches your pace & jumps in right when you need it.


Designed with small businesses in mind, our working capital loans offer the fast support you need to keep your business stable & ready for growth. No complex terms, no waiting ages for approval.


Just the financial cushion you need to smooth out those cash flow bumps and keep moving towards your goals.

Funding that keeps pace with your business

There’s no risking your credit score to see if you qualify, and you get the peace of mind that comes with financial readiness. We’re your partners in making those crucial moves without a moment’s delay.

Predictable Payment

Enjoy the clarity of fixed monthly payments that fit your budget, ensuring financial management is straightforward. Whether your business journey is just beginning or you’re ready to take the next step, our terms are designed to match your pace.

Expert Financial Support

Connect with our funding specialists who understand your business’s unique needs. We’re here to guide you through the application process, ensuring you find the loan terms that best fit your business scenario, with a focus on growth.

Straightforward Eligibility

Your business’s performance opens the door to financial opportunities. Our simple online application process assesses your needs quickly, allowing you to qualify based on a minimum projected annual revenue of $400,000 and a credit score of at least 550.

Let's figure it out together

Securing your business future doesn’t mean getting tangled in paperwork today.

Maybe you’re waiting too long for payments, or you’ve got a chance to grow but not enough money to grab it. We get it. That’s why our working capital loans are quick to get. Perfect for businesses making at least $15,000 a month.

We’re here to listen, understand, and find the best way to help your business keep going strong.

No confusing terms or waiting ages for an answer.

Frequently asked questions

What is a working capital loan?
A working capital loan is a short-term financing option designed to cover a company’s everyday operational expenses, such as payroll, rent, and utilities. These loans ensure that businesses have sufficient cash flow to meet their immediate needs without disrupting regular operations.

Common types of working capital loans include:

  • Short-term loans: Lump-sum funds repaid over a set period, typically less than a year.
  • Lines of credit: Flexible funding allowing businesses to draw funds as needed up to a predetermined limit.
  • Invoice financing: Advances on outstanding invoices to improve cash flow.
  • Merchant cash advances: A Merchant Cash Advance (MCA) is the fastest funding option, often providing same-day access to capital. Qualification is based primarily on business revenue rather than credit scores, making it accessible for a wide range of businesses. MCAs usually have shorter terms, higher costs, and some programs offer features like payment adjustments tied to sales and early pay discounts.

Qualification criteria vary by lender, but generally, businesses should demonstrate:

  • A minimum operational history of 6 months
  • Sufficient monthly revenue (e.g., at least $15,000).
  • Business bank statements for review. 

Some lenders may not require a specific credit score, focusing instead on the business’s cash flow and financial health.

Interest rates and repayment terms for working capital loans vary based on factors like the lender, loan type, and the borrower’s credit profile. Traditional lenders may offer lower rates, while alternative lenders might have higher rates but more flexible terms. Repayment periods are usually short-term, often ranging from a few months to a couple of years.

Have more questions?

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