Working Capital Loans Nationwide From $10,000 to $5 Million
π΅ Fast Revenue-Based FundingI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Working capital loans give your business fast, flexible cash based on your revenue, not your collateral or a perfect credit score. You repay with small daily, weekly or monthly payments out of the sales the money helps you make. From $10,000 to $5 million, I match you to the right lender.
Working Capital Loans That Move at the Speed of Your Business
Whether you’ve been in business for years or you’re still finding your feet, running a successful company takes working capital. Working capital loans give you fast cash based on the health of your business, then you repay the working capital loans in small daily, weekly or monthly payments out of your sales, instead of the large lump payments a bank demands.
The Bank
Long forms, business plans, collateral demands, and a month or more of waiting, only to get a no or an offer that arrived too late to matter.
Working Capital With Me
A simple application and three months of bank statements. An answer within 24 hours, funds the same day in most cases, and no collateral required.
Same-Day Working Capital Kept a Vendor Order, and a Big Client, on Track
A growing business landed a major client, but the client wanted product delivered before they’d pay, and the vendor wanted payment up front. Cash got tight at exactly the wrong moment, and the bank wanted six weeks.
The owner called me. With three months of bank statements showing strong deposits, I matched the business to a revenue-based working capital loan, an answer in under a day and funding the same day. The vendor got paid, the client got their product, and the loan was repaid out of the sales it made possible.
That is the difference between losing a client to slow money and keeping one with fast capital. Don’t Beg the Bank! Get funded instead.
What Working Capital Loans Actually Pay For
Working capital loans give you the cash that keeps your business running and lets you say yes to opportunities. Because working capital loans are flexible, you can use the cash for almost any short-term business need.
Inventory and Supplies
Buy stock ahead of a busy season or a big order, and negotiate better terms with cash in hand.
Payroll and Operations
Cover payroll on a tight week and keep operations steady through a slow stretch or a cash-flow gap.
Working Capital Loans for a Big Order
Say yes to a major client or contract that needs you to deliver before you get paid.
Marketing Push
Fund the marketing or seasonal campaign that brings in more revenue than it costs.
Vendor and Bills
Pay vendors up front, cover unexpected bills, or bridge the gap until receivables come in.
Seize an Opportunity
Jump on a time-sensitive deal, a bulk discount, or a chance to expand before a competitor does.
Working Capital Isn’t the Only Way to Free Up Cash
My lender network spans many financing types, and sometimes a different structure fits better than revenue-based working capital loans. Here’s where else I can take you, tap any to explore.
Business Line of Credit
Revolving access you draw on only when you need it, instead of a one-time lump sum.
See lines of creditInvoice Factoring
Turn unpaid invoices into cash now rather than waiting 30, 60 or 90 days for customers to pay.
See invoice factoringEquipment Financing
Buy machinery or vehicles with the equipment as collateral, preserving your working capital.
See equipment financingSBA Loans
Government-backed financing with strong long-term terms for bigger, lower-rate needs.
See SBA loansStartup Funding
Newer business without the deposit history yet? There are paths built for early-stage owners.
See startup fundingSmall Business Loans
Not sure which fits? Start at the hub and I’ll route you to the right structure.
See all optionsQualifying for Working Capital Loans Is About Your Revenue, Not Your Credit
I look at the health of your business, not a perfect credit file or a pile of collateral. If your revenue is strong, even owners with rough credit histories can be approved. I qualify deals honestly so neither of us wastes time.
β What you generally need
- β3 months of business bank statements showing at least $10,000 a month in deposits.
- βA real, operating U.S. business with steady revenue.
- βWillingness to share recent bank or credit card statements. No business plan required.
- βThat’s largely it. No collateral, and credit flexibility for strong performers.
π‘ How it works in your favor
- βApproval is based on the health of your business, not just your credit score.
- βEven owners with poor credit can be approved when revenue is strong.
- βNo personal collateral required to secure the funding.
- βThe better your numbers, the larger the amount and the better the terms.
Get Your Working Capital Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep, and no selling your info to a third party.
Got it. I’m on it.
Your working capital loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Four Steps. Simple and Fast.
A simple application and three months of statements is all it takes to start. No business plans, no faceless portal, no junior rep. You deal with me.
Apply
Fill out the quick form and share three months of business bank statements.
Answer in 24 Hours
I match you to the right lender and you get a decision, usually within a day.
Get Funded
On approval, funds are deposited the same day in most cases.
Repay From Sales
Pay it back in small daily, weekly or monthly payments out of your revenue.
Recent Working Capital Loans From My Desk
A snapshot of the working capital loans I match to lenders across the country. Every business is different, yours starts with a conversation.
$60K Β· Same-Day
Revenue-based working capital so a retailer could pay a vendor up front and keep a major order.
$180K Β· Services Firm
Fast capital to cover payroll and ramp up for a big new contract, repaid from the new revenue.
$25K Β· Restaurant
Quick working capital for a seasonal inventory build, approved despite a rough credit history.
How I Match Working Capital Loans to the Right Lender Fast
Not only do I help you find the right working capital loans, I guide you through the whole process and review every part of the application with you so I can secure your financing quickly. My lender network is made up of many institutions that focus on small business funding, which means more options and a better fit for your business. That is the whole point of working with me.
Here is how it works. Revenue-based working capital loans give you fast cash based on the health of your business, and you repay it in small daily, weekly or monthly payments out of your sales, rather than the large fixed payments a bank requires. Approval is built around performance, not a perfect credit file, so even owners with rough credit histories can be approved when the revenue is there. There is no personal collateral required, because the lender is looking at the strength of your business, not your assets.
The bar to apply is refreshingly simple: three months of business bank statements showing at least $10,000 a month in deposits, and a willingness to share recent bank or credit card statements. No business plan, no stacks of paperwork. You get an answer within 24 hours, and in most cases funds are deposited the same day, compared with the four to six weeks a bank typically takes. According to the U.S. Small Business Administration, access to capital is one of the biggest barriers to small business growth, and slow money is often the difference between catching an opportunity and watching it pass.
So tell me what you need the cash for. Short-term and revenue-based? A working capital loan. Want revolving access you draw on as needed? A business line of credit. Sitting on unpaid invoices? Invoice factoring. Buying equipment? Equipment financing. Want government-backed terms on a larger need? An SBA loan such as a 7(a) loan. Just starting out? Startup business funding. Buying property or a building? Commercial real estate loans. Bigger picture? See small business loans or every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, SBA loan programs; U.S. Census Bureau, Statistics of U.S. Businesses.
Straight Answers Before You Apply
What are working capital loans?
How fast can I get working capital?
What do I need to qualify?
Do I need collateral for a working capital loan?
How do I repay a working capital loan?
What does it cost to work with you?
Working Capital by Industry
I fund the cash gap between buying materials and getting paid, across manufacturing and production businesses. Find your industry below.
A Working Capital Advisor Who Guides You Through the Whole Process
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. I don’t just help you find the right working capital loan, I review every part of the application with you and guide you through to funding. My lender network focuses on small business funding, so you get more options and a better fit. I personally review every application, I call you directly, and I never text. For more on small business capital, see the SBA’s 7(a) loan program and its Lender Match overview.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they take four to six weeks while your opportunity slips away. I match you to fast, revenue-based working capital loans so you can act now … $10,000 to $5 million, an answer in 24 hours, same-day funding in most cases, no collateral, and a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, business performance, deposit history and deal structure. Working capital loans generally range from $10,000 to $5 million with terms of 6 to 24 months and are repaid in daily, weekly or monthly payments. Qualification generally requires three months of business bank statements showing at least $10,000 a month in deposits; approval is based on business performance, and while strong revenue can offset a weaker credit profile, not all applicants are approved. A 24-hour decision and same-day funding are common but not guaranteed. No personal collateral is typically required for revenue-based working capital. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.