Working Capital
You have payroll, materials, or a job to cover, and you need the money this week.
Won't affect your credit score.
Quick facts
- Amount
- $10,000 – $500,000
- Time
- Same-day decision. Funds within 24 hours.
- Cost
- Factor 1.15 – 1.49. $50,000 at 1.30 costs $65,000 total.
- Payback
- 3 – 18 months. Daily, weekly, or monthly.
- To apply
- 4 months of bank statements.
- Credit
- 550+ personal FICO®
Working Capital questions
What is a factor rate?
A factor rate is a multiplier on the amount you receive. At a 1.30 factor, $50,000 costs $65,000 in total repayment. Unlike APR it doesn't compound — the total cost is fixed at the start.
How fast can this move?
Same-day decision when the statements are in. Funds within 24 hours after you accept, on a business day. A partner still has to say yes.
See if working capital fits your file.
About 5 minutes. Straight answer within one business day.
Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.