FUNDING SOLUTION
Working Capital When You Need It Most
Keep your business running smoothly with fast, flexible working capital. Cover payroll, stock inventory, manage expenses, and seize opportunities, without missing a beat.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Terms
3 – 18 months
Approval Speed
4 – 8 hours
Repayment
Fixed daily or weekly
OVERVIEW
What Is a Working Capital Loan?
A working capital loan is designed to fund your business's everyday operational needs, not long-term investments. It's the capital that keeps your doors open, your team paid, and your operations running between revenue cycles.
Unlike traditional bank loans that take weeks to process, our working capital loans are built for speed. Most businesses are approved within 4 to 8 hours and funded shortly after. A seasonal dip, a gap between invoices, a busy period to stock up for: working capital gives you the flexibility to act now and pay back on a schedule that works for your cash flow.
Wondering what it costs? Our guide to how business funding costs work explains rates, fees, and how to compare two offers on total cost before you commit. And if you are weighing us against a bank, our comparison of bank loans and alternative funding lays out where each one earns its place.
And if you're weighing the loan against the card in your wallet, our comparison of the working capital loan vs. the business credit card matches each tool to the expenses it handles best.
When the spend in question is a machine, machinery financing vs. a working capital loan weighs unsecured cash against funding tied to the equipment itself.
How It Works
Apply in Minutes
Tell us about your business, your monthly revenue, and how much working capital you need. Our application takes just a few minutes.
Fast Review & Offer
Our team evaluates your business performance and delivers a funding offer, typically within 4 to 8 hours.
Capital in Your Account
Accept your offer and receive funds directly in your business bank account, often within one to two business days.
Why Choose Working Capital from Monera Capital
Speed When It Counts
When cash flow is tight, every day matters. Our approval process is measured in hours, not weeks.
No Collateral Required
Our working capital loans are unsecured, no need to put up property, equipment, or personal assets.
Use It for Anything
Payroll, inventory, rent, marketing, repairs, there are no restrictions on how you use your working capital.
Flexible Repayment
Choose daily or weekly repayment schedules that align with your revenue cycle. Predictable and manageable.
How Businesses Use Working Capital
Payroll & Staffing
Cover payroll during slow periods or when scaling your team.
Inventory Purchases
Stock up ahead of busy seasons or take advantage of supplier discounts.
Rent & Overhead
Keep up with rent, utilities, insurance, and other fixed costs.
Emergency Expenses
Handle unexpected repairs, replacements, or urgent business needs.
Seasonal Fluctuations
Bridge revenue gaps during off-peak months so you're ready when business picks up.
Opportunity Capture
Move fast on time-sensitive deals, contracts, or bulk purchasing opportunities.
Eligibility Requirements
Working capital is available to most businesses with steady revenue. We focus on your cash flow and business performance rather than credit score alone.
- 6+ months in business
- $10,000+ in monthly revenue
- Active U.S. business bank account
- Valid government-issued ID
- Last 3–6 months of bank statements
Not sure if you qualify? Apply anyway, there's no cost and no obligation.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
Get the free checklist
Tell us where to send it. No obligation.
Explore Other Funding Options
Working capital not quite the right fit? These products might better match your needs.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Working Capital Loan FAQs
How much working capital can I borrow?
Working capital loans range from $10,000 to $500,000. The amount you qualify for depends on your monthly revenue and time in business, we focus on your cash flow and business performance rather than credit score alone.
How fast can I get a working capital loan?
Most businesses are approved within 4 to 8 hours. Once you accept your offer, funds are typically deposited into your business bank account within one to two business days.
Do I need collateral for a working capital loan?
No. Our working capital loans are unsecured, so there's no need to put up property, equipment, or personal assets to qualify.
What is the primary purpose of a working capital loan?
Its purpose is to fund everyday operations rather than long-term investments. Working capital keeps your doors open, your team paid, and your operations running between revenue cycles, whether that means covering a seasonal dip or bridging a gap between invoices.
What can I use a working capital loan for?
There are no restrictions on how you use the funds. Businesses use working capital for payroll, inventory, rent and overhead, marketing, emergency repairs, seasonal gaps, and time-sensitive opportunities.
How do I qualify for a working capital loan?
Most businesses qualify with at least 6 months in business, $10,000 or more in monthly revenue, an active U.S. business bank account, a valid government-issued ID, and the last 3 to 6 months of business bank statements.
What are the repayment terms?
Terms typically range from 3 to 18 months with fixed daily or weekly payments. You can choose a repayment schedule that aligns with your revenue cycle, keeping payments predictable and manageable.
Is a working capital loan the same as a line of credit?
No. A working capital loan is a lump sum you repay on a fixed schedule, while a line of credit is revolving credit you draw from as needed, paying interest only on what you use. If you want capital standing by for repeated, unpredictable needs, a business line of credit may be the better fit.
Are working capital loans a good idea?
They're a strong fit when the need is short-term and operational: bridging a seasonal gap, covering payroll, or stocking up ahead of a busy season. The trade-off is that speed and access generally cost more than a slower bank product. For a long-horizon purchase where a lower rate and a longer term matter most, a different product fits better.