Working Capital

Working Capital Loans for Manufacturing & Wholesale

Term capital to cover payroll, inventory, or cash-flow gaps — structured to fit your business.

Funding
$50K - $5.0M
Speed
1-3 days
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Why Working Capital is Ideal for Manufacturing & Wholesale Businesses

Purchase orders

You have the order. You have the buyer. What you need is the material.

Equipment

That production line is running at capacity. What happens when orders keep growing?

Inventory

Lock in material pricing before the next spike. Fund the buy now.

Growth

You're turning away orders. That's a funding problem, not a demand problem.

Terms

Customers want net-90. Your suppliers want COD. Bridge the gap.

Working Capital Loans Features

Fast Close

Complete files typically close within 1–3 days through our lender network.

Fixed Payments

Predictable monthly payments on terms from 12 to 60 months.

Clear Floor

$50K minimum funding and $50K+ in monthly revenue to start the conversation.

Simple Process

Bank statements, use of funds, and a straight answer from an advisor — no call-center maze.

Key Benefits

Faster Than Banks

Banks often take weeks. When the file is ready, these deals typically close in 1–3 days.

Preserve Ownership

Term capital — no equity dilution and no board seat attached.

Flexible Deployment

Use funds for payroll, inventory, or other operating needs tied to the business.

Advisor Continuity

Same team from first conversation through funding — and on the next deal.

Eligibility Requirements

$600K+
Annual Revenue
1+ yr
Time in Business
600+
Credit Score

Best For:

Managing seasonal inventory buildup
Covering payroll during slow periods
Funding growth initiatives without ownership dilution
Bridging gaps between project expenses and client payments
Taking advantage of bulk purchase discounts

Working Capital Loans for Manufacturing & Wholesale by State

Find working capital for manufacturing & wholesale businesses in your state.

Frequently Asked Questions

Why do Manufacturing & Wholesale businesses choose Working Capital Loans?
Working Capital Loans is designed for businesses with Manufacturing & Wholesale's specific cash flow needs. Term capital to cover payroll, inventory, or cash-flow gaps — structured to fit your business.
How does Working Capital Loans help with Manufacturing & Wholesale cash flow challenges?
Manufacturing & Wholesale businesses often struggle with: Raw material costs swing wildly and eat margins; Equipment maintenance and replacement is six or seven figures. Working Capital Loans solves these by enabling Buy raw materials at volume discount pricing.
What's the typical timeline for Working Capital Loans approval?
Most Working Capital Loans approvals happen within 1-3 days. We move faster than traditional financing so you can capitalize on opportunities.
Do you have examples of Manufacturing & Wholesale businesses using Working Capital Loans?
Yes. We've helped hundreds of Manufacturing & Wholesale operators use Working Capital Loans to grow and scale. The impact varies widely depending on specific business model and needs.
How much Working Capital Loans can I get?
Funding amounts range from $50K to $5.0M, depending on your revenue and business stage.

Ready for Working Capital?

Apply in minutes. 1-3 days decisions. Funding up to $5.0M.

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