Best for uneven cash flow

Working Capital

An advance against your future revenue — priced by funders competing for your deal in a live auction, not by a broker working the phones.

Apply Now5-minute application · soft credit pull only
Live auction
Funder A1.38×
Funder B1.31×
Funder C1.27×Best

Offers improve as funders compete on your factor rate. Illustrative.

Advance amount

$5,000 – $1,000,000

Typical duration

2 – 18 months

Repayment

Fixed daily or weekly debits

Cost basis

A flat factor rate — not compounding interest

Why the auction matters most for working capital

Working capital pricing is the most opaque corner of business funding — a broker shops your file privately, keeps the spread, and shows you one number. On Funding Network every matching funder sees your deal at the same time and knows competitors are bidding on it. They compete on factor rate, fees, and what actually lands in your account, and you watch every offer arrive in real time.

1

Apply once

About five minutes: a few basics plus your recent bank statements, or link your bank securely.

2

Funders are matched

Your deal is routed to funders whose criteria fit your revenue, industry, and history.

3

Offers compete live

Each offer shows the advance amount, factor rate, payment, fees, and your true net — side by side as they improve.

4

Accept and get funded

Pick your winner, verify your identity and bank, sign in the app. Funds can arrive as soon as the next business day.

A good fit when

  • Seasonal or uneven revenue that makes fixed loan payments awkward
  • Fast timelines — inventory buys, equipment repairs, tax deadlines
  • Strong revenue with an imperfect credit history
  • Businesses that can’t wait weeks for bank underwriting

What you'll need

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit (checked with a soft pull only)
  • A business bank account

What the numbers look like

Say you accept a $50,000 advance at a 1.32× factor rate:

Advance amount$50,000
Factor rate1.32×
Total payback$66,000
Payment≈ $367 daily over ~9 months

Illustrative only — your offers set your real terms. Every offer on Funding Network itemizes its fees and shows your exact net before you accept, and many funders include early-payoff discount windows that reduce the total cost if you pay off ahead of schedule.

Working Capital questions

More questions? Read the full FAQ →