ALSO AVAILABLE
Working capital
General-purpose capital for the ordinary business of running a business — making payroll, buying inventory, covering the space between doing the work and getting paid for it.
- Size
- $10,000 – $500,000
- Term
- 6 – 24 months
- Speed
- 1 – 5 business days
- Best for
- Short, defined operating gaps
What this actually costs
- Amount funded
- $75,000
- Total dollar cost
- $13,500
- Payment schedule
- $4,917 monthly for 18 months
- Annualized rate
- 22.4% APR equivalent
Illustrative only. Your actual terms depend on your business and the funder.
How it works
- 01
Tell us what the money is for
The use of funds changes which structure and which funder fits.
- 02
We size it to cash flow
Not to the maximum you'd be approved for. Those are different numbers.
- 03
You compare real options
Every option shows total dollar cost side by side.
- 04
You repay from operations
Daily, weekly, or monthly depending on how your revenue arrives.
Working capital is a use, not a product — it can be structured as a loan, an advance, or a line, and the price swings enormously between them. Our job is to tell you which structure your file actually supports and what each one costs in dollars.
When it fits
- A defined gap with a defined end.
- Growth you've already sold and now have to deliver.
- A one-time cost that would otherwise come out of payroll.
When it's the wrong tool
- Structural losses. Capital makes those worse, not better.
- A receivables problem you could fix by collecting. Sometimes the honest answer is that you don't need capital.
- Covering a payment on debt you already can't carry.
Common uses
- A services firm making payroll while a large invoice ages.
- A retailer buying inventory ahead of a season.
- A contractor covering materials on a job that pays on completion.
- A practice covering a slow quarter with a booked pipeline.
Questions
- What can I use it for?
- Payroll, inventory, materials, marketing, repairs, tax bills. We ask because the answer changes which funder fits — not to restrict you.
- How much should I take?
- The amount the business can carry, which is usually less than the amount you'd be approved for. We'll say so plainly.
- How fast?
- Often one to five business days from a complete file.
- What if I shouldn't borrow?
- Then we'll tell you. If your problem is a receivable nobody is chasing, capital just adds a payment to the same problem.
See what you'd actually pay.
Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.
FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.