VelicaCapital
Merchant Cash AdvanceInvoice FinancingBusiness Line of CreditTerm LoansEquipment Financing
CalculatorLendersGuidesBlogAboutContact
Apply Now
Working Capital

Keep Your Business Running Strong

Working capital financing gives you the liquidity to cover daily expenses, purchase inventory, handle payroll, and seize growth opportunities without disrupting your operations.

Get Working Capital
$5K - $500K
Funding Range
24 - 48 hours
Approval Time
6 - 18 months
Term Length
$10,000
Min. Monthly Revenue

What is Working Capital Financing?

Working capital represents the difference between your current assets and current liabilities. It measures your business's short-term financial health and ability to cover everyday expenses.

Working capital financing provides a lump sum of capital that you can use for any business purpose, from inventory purchases to covering seasonal fluctuations in cash flow.

Common Uses for Working Capital

Inventory Purchases

Stock up on inventory for seasonal demand or bulk ordering discounts

Payroll Coverage

Ensure your team gets paid even during slow cash flow periods

Equipment Upgrades

Replace aging equipment or purchase new tools to boost productivity

Marketing & Advertising

Fund marketing campaigns to drive growth and attract new customers

Emergency Repairs

Handle unexpected facility or equipment repairs without disruption

Growth Opportunities

Take advantage of time-sensitive business opportunities

Eligibility Requirements

  • In business for at least 6 months
  • Minimum $10,000 in monthly revenue
  • No open bankruptcies
  • Active business bank account
  • Valid government-issued ID

Documents Typically Required

  • Bank statements (last 3-6 months)
  • Processing statements (if applicable)
  • Business license or registration
  • Tax returns (last 2 years)

How It Works

1

Apply Online

Complete our simple application in under 5 minutes

2

Get Approved

Receive a decision within 24-48 hours

3

Sign Agreement

Review and sign your funding agreement

4

Receive Funds

Get funded within 24 hours of approval

Why Businesses Choose Velica Capital

Fast Funding

Get approved in as little as 24 hours and funded within 24 hours of approval

Flexible Terms

Customized repayment schedules that work with your cash flow

All Credit Considered

We work with businesses of all credit types, not just perfect credit

Ready to See What You Qualify For?

It takes less than 5 minutes. No hard credit pull to check your options.

See What You Qualify For