Working Capital
Cash for payroll, inventory and the slow months, so day-to-day never stalls.
- Compare several lenders with one application
- No credit pull to see your options
- No fee to you, ever
At a glance
- Best for
- Businesses with steady monthly deposits that need cash quickly.
- How it is repaid
- Usually fixed daily, weekly or monthly payments over a short term.
How working capital works
Short-term funding that covers the everyday costs of running the business: payroll, rent, inventory, a big supplier order or a gap between when you pay and when you get paid.
What businesses use it for
- Payroll and rent during a slow season
- Stocking up before a busy period
- Covering a gap while customers pay invoices
- Unexpected repairs
How repayment works
Usually fixed daily, weekly or monthly payments over a short term.
Is it a fit?
Businesses with steady monthly deposits that need cash quickly.
Are you a match?
Lender network minimums
Each lender sets its own criteria for working capital. These are the lowest minimums in our network. Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
How it works
Three steps from application to funding
Tell us what your business needs.
A few questions and your contact details. No documents and no credit pull yet.
One application. Many lenders.
Every lender looks for something different. We line you up against each one so you only talk to the ones likely to say yes.
Pick the offer. Get the money.
You choose. The lender approves and sends the money straight to your business account.
FAQ
Working Capital questions
Who is working capital for?
Businesses with steady monthly deposits that need cash quickly.
How is working capital repaid?
Usually fixed daily, weekly or monthly payments over a short term.
Does celerfunding.com lend the money?
No. We match you with independent lenders and funding companies. They approve, fund and set the terms.
Does it cost me anything?
No. We never charge you a fee. We are a broker, not a lender. Lenders may pay us a fee when you're funded; this may affect which offers you see.
Will applying hurt my credit?
Our intake does not pull your credit. Some lenders do a soft pull to pre-qualify you; a hard pull only happens if you choose to move forward with a specific lender, and they will tell you first.
By industry
Industries that use working capital
Trucking · Salons & spas · Roofing · HVAC · Plumbing · Landscaping & snow removal · Painting · Flooring · Remodeling & renovation · Excavation · Fencing & decks · Solar installers · Pool builders · Food trucks · all industries
Guides
Read before you apply
- Is a merchant cash advance worth it?
- Factor rate vs APR: what a 1.30 really costs
- Getting a business loan with bad credit
- Line of credit vs term loan: which one fits your business?
- How invoice factoring works: advance, reserve, fees and fit
- Seasonal business funding: planning for the slow months
- How fast can I get business funding? Realistic timelines by product
- How much can my business borrow?
- What documents do lenders need? A checklist for the US and Canada
- Startup business funding: what actually works before you have a track record
- Business acquisition financing: how buyers fund the purchase of an existing business
- Can I get business funding with no credit check?
- How do business funding brokers get paid?
- Covering payroll when a customer pays late
- Personal guarantees on business loans: what you are actually agreeing to
- Purchase order financing: funding a big order before you get paid
- Revenue-based financing: how it works and who it suits
- Unsecured business loans: can you borrow with no collateral?
- What is a business funding marketplace (and what it isn't)?
Other options
Other funding options
Business Term Loans
A lump sum up front, repaid on a fixed schedule. Built for planned growth.
Great for: Established businesses with a clear plan for the money.Learn more →Business Line of Credit
Draw what you need, when you need it, and pay interest only on what you use.
Great for: Businesses that want flexible access to cash rather than one lump sum.Learn more →Equipment Financing
Buy the ovens, trucks, machines and POS hardware you need and pay over time.
Great for: Any business buying equipment that holds its value.Learn more →See your working capital options
Two minutes, no credit pull, no fee. We come back with real options from lenders that fit.