Working Capital Loans
that works for you
Get the cash you need to run and grow your business without the bank runaround. Simple application, quick decisions, and funding as soon as 24 hours.
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Working Capital Loans
Seeking Funding
What is a working capital loan?
Working Capital is the difference between your current assets, like your sales and inventory, and your current liabilities, like your bills and short term financial obligations. Your working capital ratio, or working capital formula, is calculated by dividing your current assets from your current liabilities to find the amount of cash a company has to complete their operating cycle, meet their financial obligations, and still come out ahead.
How can you use working capital
Cash Flow
Management
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Finance
Equipment
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Business
Expansion
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Hire
Employees
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Why Choose Good Funding?
Fast Funding
Funds in as fast as 24 hours once approved.
Easy Qualifications
3 months in business and basic documents to apply.
Flexible Use
Use the capital for any business need from payroll to inventory.
Supportive Team
Our funding specialists guide you to the right offer for your business.
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Are You Eligible?
Your business has been operating for 3 months
You can provide recent business bank statement
No specific minimum credit score, often within 24 hours!
What is working capital?
Working capital loans provide fast and flexible funding to help businesses manage everyday expenses and maintain smooth cash flow. They can be used for payroll, rent, inventory, or other short-term needs without the long approval process of traditional bank loans. Designed for small and growing businesses, these loans offer quick access to cash when it’s needed most, helping you stay financially agile and keep operations running without interruption.
How you can use working capital
Working capital fuels many things. It helps offset a business slowdown. It covers planned and unexpected expenses. It meets short-term debt obligations. And it often ensures a company's future financial health. Whatever your business funding needs are, Good Funding has flexible financing options up to $500,000 with a streamlined decision and funding process.
Pay overhead
Working capital can be used for rent, utilities, and vendor services to facilitate day-to-day operations. The ability to pay your current liabilities in full allows your business to maintain healthy relationships with vendors and make your business attractive to investors, banks, and even customers. Working capital helps make ends meet on short-term obligations to keep you moving forward.
Purchase inventory and equipment
Businesses in all industries use working capital to invest in equipment that will streamline workflows and cost less to repair. At Good Funding, we know equipment can break down at any time; that's why we offer next-day funding to ensure your operations get back on track in as soon as possible.
Handle expenses and seasonal shortfalls
If you are a seasonal business, you know to expect ebbs and flows in your cash reserves. Working capital from Good Funding can help you prepare for any season by allowing you to stockpile inventory, hire short-term employees, or stay up-to-date on rental payments in the off-season. Because the funding is entirely yours to do whatever you want with, you can let your working capital accumulate during the heavy season and use that cash to fill in the gaps when needed.
Pay employees and look for expertise
Working capital pays salaries, health insurance costs, taxes, and other expenditures that maintain your employees. It allows you to hire temporary workers, give bonuses for great work, and bring in trainers, business coaches, or speakers to guide and motivate your employees. Simply put, our business funding can help bring your business to the next level.
The benefits of working capital
Your company's ability to generate cash is critical to its success. If you don't have enough to see you through the year, or if your working capital ratio is not where it should be, you might think about securing working capital financing to secure cash flow, maintain ownership, and fuel short-term obligations or needs. Some experts might advocate for maintaining low working capital to enhance your investments. That said, there are a number of benefits to maintaining positive working capital.
Stay Afloat in Tough Times
Your accounts payable department has a job to do, no matter what crisis the company faces. With a working capital cash infusion, you'll be able to retain your employees, maintain the quality of your product or service, and make changes to become more efficient even when times are tough. Good Funding is here to help provide you with the funding to keep you secure no matter the challenge.
Grow Your Business
Sometimes your business needs a huge influx of capital to jump to the next level, but often growth is a slow, steady climb. You can use working capital to give yourself the flexibility to invest more wisely, take advantage of new ideas or strategies, buy the latest piece of equipment, or acquire fixed assets to develop that will earn revenue for years to come. Our funding specialists are here to help no matter what stage of growth your business is in or what your goals are.
Acquire Assets that Drive Revenue
With working capital from Good Funding, you can take advantage of opportunities that come your way.
Your business can be flexible enough to buy another piece of property for a second brick and mortar location, expand and develop your team, or take on new market segments.
Even if your current assets and liabilities are manageable, working capital allows you to add new factors without any hiccups in your daily operations.
Stay Afloat in Tough Times
Your accounts payable department has a job to do, no matter what crisis the company is facing. When you have a reserve of cash, or when your working capital ratio is balanced well, you'll be able to retain your employees, maintain the quality of your product or service, and make changes to become more efficient even when times are tough.When times get better, your company will be healthy enough to sprint forward, ahead of your competition.
Grow Your Business
Sometimes your business needs a huge influx of capital to jump to the next level, but often growth is a slow, steady climb.If your current liabilities aren't weighing you down, you can invest more wisely, and take advantage of new ideas or new strategies. You can buy the newest piece of equipment. You can acquire fixed assets to develop that will earn revenue for years to come. Growing your business grows your current assets.If you want to invest or take out a loan, having a positive working capital ratio will reassure the bank or investor that your business will make good on its obligations.
Acquire Assets that Drive Revenue
When you have enough cash, and when your short term obligations are met, you can take advantage of opportunities that come your way.Your business can be flexible enough to buy another piece of property for a second brick and mortar location, or expand and develop your team, or take on new segments of the market.If your current assets and liabilities are manageable, and if you working capital ratio is positive, you can add new factors without causing whole system to come crashing down.
Potentially Buy Out Partners
Not all partnerships last. One partner may want to move, retire, get a new job or invest in a different business. Or you might realize you can't work with the other person.If your company has a poor working capital ratio, you both might feel stuck in a relationship rapidly turning sour. But if your working capital ratio is positive, both partners can decide what's best for them and walk away as needed without leaving a mess behind them.
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Frequently
Asked
Questions
A working capital loan is a short-term business loan that helps cover day-to-day expenses like payroll, rent, and inventory. It’s designed to bridge cash flow gaps and keep operations running smoothly when funds are tight. Unlike long-term loans for big purchases, working capital loans provide quick access to cash that’s repaid over a short period from your ongoing revenue.
You can use a working capital loan for nearly any business expense. Common uses include covering payroll, rent, utilities, and inventory purchases, as well as handling seasonal costs or short-term cash gaps. It’s also useful for marketing campaigns, equipment repairs, or taking advantage of time-sensitive opportunities. The flexibility allows you to use the funds where your business needs them most helping you maintain operations and growth without disruption.
Working capital loans are typically repaid in small, frequent installments either daily or weekly over a short term, usually 6 to 12 months. Payments are often made automatically through ACH withdrawals from your business account, making the process simple and predictable. Some loans are repaid as a percentage of daily sales instead. The goal is to align repayment with your cash flow so it’s easier to manage, and there’s often no penalty for paying off early.
Very fast! Most working capital loans are approved the same day, and funds can reach your business bank account within 24 hours of approval. The quick process—often just a few minutes to apply—makes it ideal for urgent needs like covering expenses or handling unexpected costs. Compared to traditional bank loans that take weeks, working capital loans offer one of the fastest funding options available to small businesses.
Yes, you can. At The Good Funding, we take a flexible approach to approvals. Even with a low credit score or limited history, you may still qualify based on your business’s revenue, cash flow, and growth potential. There’s no hard credit pull to apply, so checking your eligibility won’t affect your score. Many clients we’ve helped were previously denied by banks our goal is to say “yes” when others don’t and help strong businesses get the funding they deserve.
No applying with The Good Funding won’t hurt your credit score. Our initial application uses only a soft inquiry or no credit pull, so you can check your eligibility and rates risk-free. Even during final approval, any credit check is minimal and won’t impact your score the way a traditional bank inquiry would. Plus, most working capital loans don’t appear on your personal credit report, so exploring or taking a loan won’t affect your credit history.
Privacy Policy
Terms and conditions apply. This is not a guaranteed offer of credit. Funding made or arranged pursuant to a California Financing Law License. License number: 60DBO-116450
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