Credit products / Working capital

Cash in the account
before the job pays.

Working capital covers payroll and materials while you wait to get paid. It's sized from what your business already brings in, and it can be wired as fast as the same day.

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What's my number?
 
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You could qualify for up to 

 

See my real number

One month, from inside the account

A good month on paper.
A tight one in the bank.

Here's a contractor doing about $80,000 a month. Sales are fine. The timing isn't.

Payroll day, the 19th

$7,600 short

The customer's check lands on the 27th. Payroll was the 19th.

  • Up to $750,000sized from your revenue
  • Same dayas fast as the wire can go
  • Follows your salespayments move with revenue
  • No hard pullto see your number

An example month. Amounts, timing and cost depend on your business. The capital has a cost, and every offer spells it out before you sign.

What it's usually covering.

  • Every other Friday
    PayrollFriday comes whether the customer paid or not.
  • Before the job
    MaterialsThe supplier wants it up front. The job pays at the end.
  • Before the season
    InventoryYou stock up before the season. The sales come after.
  • The day it breaks
    RepairsThe truck is down today. So is the crew.
“Called at 9, had my number by 9:15, money hit Thursday. Never seen anything move like this.”
MR
Joe D.General contractor
Working capital

Questions

Straight answers.

How is my number worked out?

The number on this page comes from your monthly revenue alone, so treat it as an estimate. Your real number comes from your recent business bank statements.

What can I use it for?

Most things the business needs. Payroll, materials, inventory, a repair, a slow month. Your advisor asks what it's for so the offers fit.

How do the payments work?

It depends on the offer. Many working capital products take payments as a share of your sales, so a slow week means a smaller payment. Each offer spells it out before you sign.

Will checking affect my credit?

No. Seeing your number does not involve a hard credit pull.

How fast is it?

Your number takes about two minutes. Once your statements are in, offers can come back the same day, and a wire can go out the day you sign. Timing depends on your file and on bank cutoffs.

Do I have to talk to anyone?

No. You can see your number, send your statements, compare your approvals and accept one from your portal. Your advisor is one call away if you would rather talk it through.

What do I need to apply?

A registered US business with revenue, a few details about it, and your last four months of business bank statements.

More credit products

Credit lineMoney you can reach for when something breaks.→ Equipment creditReplace it this week. Your vendor gets paid directly.→ Invoice advanceMost of an invoice now, not in 60 days.→

What's your number?

For a business bringing in $80,000 a month. Slide to yours.

Up to$120,000
See my real number or ask Reid first

For registered US businesses. An estimate, not an offer. Looking doesn't touch your credit. Rather talk? (337) 397-7482

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