✦Prime Rate:7.50%✦Fed Funds:4.33%✦5-Yr Treasury:4.33%↓✦10-Yr Treasury:4.54%↓✦30-Yr Treasury:4.77%↓✦30-Yr Mortgage:6.95%·Updated Jan 31, 2025·Full Rate Watch →✦Prime Rate:7.50%✦Fed Funds:4.33%✦5-Yr Treasury:4.33%↓✦10-Yr Treasury:4.54%↓✦30-Yr Treasury:4.77%↓✦30-Yr Mortgage:6.95%·Updated Jan 31, 2025·Full Rate Watch →
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Working Capital Loans: Flexible Funding for Business Operations
Working capital loans provide the cash flow your business needs to cover payroll, inventory, seasonal gaps, or growth opportunities. PeerSense connects you with the right funding source for your situation.
Working Capital Funding Options
Multiple programs designed for different credit profiles, funding speeds, and business needs
Fast Funding (24–48 Hours)
680+ FICO Accepted$7,500–$1M+
- Same-day decisions on some programs
- Minimal documentation required
- Quick application process
- Ideal for urgent cash flow needs
1–3 Day Funding
680+ FICOWider Program Options
- Slightly larger amounts available
- More flexible terms
- Multiple lender options
- Better rates than 24-hour programs
Unsecured Lines of Credit
700+ FICO$250K–$350K
- No collateral required
- For established businesses
- Strong credit profile needed
- Revolving credit access
MCA and Revenue-Based Financing
Speed Over Everything$150K+ for Refinancing
- Repaid as percentage of daily revenue
- No fixed monthly payments
- Fast approval process
- Consolidation scenarios available
When to Use Working Capital vs. SBA
Honest comparison: SBA offers better terms, working capital offers speed. Match the product to the urgency.
| Factor | Working Capital | SBA Loans |
|---|---|---|
| Funding Speed | 24 hours to 5 days | 45–90 days |
| Interest Rate | Higher (15%–40%+) | Lower (Prime + 2.75%–6.5%) |
| Documentation | Minimal | Extensive |
| Credit Requirements | 680+ FICO (some programs) | 680+ FICO (stricter underwriting) |
| Loan Amount | $7,500–$1M+ | Up to $5M (MARC, 7(a)) |
| Repayment Terms | 3–18 months (typical) | Up to 10–25 years |
| Collateral | Often unsecured | Usually required |
| Best For | Urgent cash flow gaps | Long-term growth capital |
Choose Working Capital When:
- You need cash in 24–72 hours
- You have an urgent opportunity or expense
- You need a short-term bridge
- You want minimal documentation
Choose SBA When:
- You can wait 45–90 days for funding
- You want the lowest possible rate
- You need long-term repayment (10–25 years)
- You're funding growth or equipment
Need help deciding which option is right for your business?
Learn More About SBA Working Capital OptionsNot sure which loan is right for you?
Take our 60-second quiz to get matched with the right program.
Frequently Asked Questions
Funding speed depends on the program and your credit profile. Some programs offer same-day decisions with funding in 24–48 hours. Most programs fund within 1–5 business days. SBA working capital programs (like MARC) take 45–90 days but offer better terms.
Need Working Capital? Let's Talk.
PeerSense connects you with the right working capital solution for your business. One conversation. Direct introduction.