Working Capital Financing
Fast, Flexible Capital to Help You Stay Ahead
Working capital financing provides businesses with the liquidity needed to manage day-to-day operations, pursue growth opportunities, and navigate periods of uneven cash flow. Unlike long-term debt, working capital solutions are structured around shorter repayment cycles and immediate operational needs rather than capital investment.
The right working capital structure depends on how the business generates revenue, how predictably it collects, and what the capital is being used for. Term loans, lines of credit, and revenue-based financing each serve distinct needs and carry different cost structures.
Term Loans
Short-term installment loans with predictable payments
Get a lump-sum capital upfront and repay on a fixed schedule over time. Great for larger purchases, upgrades, or growth investments.
- Loan amounts up to $5M
- Terms up to 48 months
- Fixed repayment amounts for easy budgeting
Popular uses include:
- Equipment purchases
- Expansion projects
- Bulk inventory buys
Hiring and marketing
Business Lines of Credit
Revolving access to capital, on your terms
Draw only what you need, when you need it, and only repay what you use. Ideal for bridging cash flow gaps or handling short-term obligations.
- Credit lines up to $750K
- Terms up to 12 months
- Reuse the line as you repay
Popular uses include:
- Managing seasonal dips
- Paying vendors or bills
- Inventory restocking
- Short-term working capital needs
Revenue-Based Financing
Flexible repayment based on your sales
Receive a working capital advance repaid through a fixed percentage of your daily or weekly revenue. Especially useful for businesses with fluctuating income or heavy card sales.
- Advance amounts up to $1M
- Terms up to 24 months
- Repayment tied to actual receipts
Popular uses include:
- Launching new location
- Upgrading equipment
- Buying inventory
- Covering variable operating costs
How Lenders Evaluate Working Capital Requests
Working capital underwriting varies significantly by product type. Term loan lenders focus primarily on business revenue, time in business, and the borrower’s credit profile. Line of credit lenders evaluate similar factors but also consider the business’s cash flow patterns and how predictably it collects receivables. Revenue-based financing providers focus almost entirely on gross revenue and the consistency of daily or weekly deposits, making them accessible to businesses that may not qualify for traditional term loans or credit lines.
Across all three structures, time in business is a meaningful threshold. Businesses with longer operating histories and consistent revenue demonstrate lower risk and typically qualify for higher advance amounts, longer terms, and better pricing. Newer businesses may still qualify but should expect more conservative offers, shorter terms, and potentially higher costs to offset the lender’s increased risk.
Personal credit remains relevant in working capital underwriting even when the business has its own credit profile. Most working capital lenders pull the owner’s personal credit as part of the application review. A strong personal credit score can improve approval odds and pricing, while recent derogatory marks can limit options or increase cost. Businesses preparing to apply should review both their business and personal credit profiles before submitting an application.
How Does It Work?
Our advisors will send you the best available working capital financing options for your business. Your offers will include the maximum financing amount, the credit term, the payback amount, the frequency of the payback payments, the origination fees where applicable, and the payback schedule.
Simply select the offer you prefer, and send it back to your i95 Capital advisor. Within a day, you can generally access your funds and receive them in your business checking account. Enjoy the flexibility your working capital provides.
How to Get Started?
Whether a well-established business or one in growth phase, i95 Capital helps you access working capital with speed, transparency, and real support.
Apply on Your Own
- Start the application process by completing the online working capital financing application, indicating your desired financing amount and type, and submitting copies of the required documents.
- The application is easy, without commitment, and does not impact your personal credit in any way.
Or, we can assist
- Complete our contact form and select Application Assistance in the Inquiry Type, and a representative will call you promptly. i95 Capital assists you every step of the way.
Either way, after receiving your completed financing application, our advisors will promptly review the information and the documents you included and submit the file for processing.
