Working Capital Financing
Short-Term Capital When Speed Matters
Short-term working capital financing covers short-term liquidity needs, including payroll, inventory, a seasonal gap, or a one-time cash shortfall. The common structures are a short-term loan, a revolving line of credit, and revenue-based financing repaid from daily or weekly receipts.
These products are built for speed and structured around shorter repayment cycles. Short-term loans, lines of credit, and revenue-based financing each serve distinct needs and carry different cost structures. They work best when you know how the advance gets repaid. The right short-term structure depends on how the business generates revenue, how predictably it collects, and what the capital is being used for. i95 Capital structures and places these products with banks and private capital sources.
Term Loans
Short-term installment loans with predictable payments
Get a lump-sum capital upfront and repay on a fixed schedule over time. The obligation is a set payment for a set term, so the cost is knowable on day one.
- 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
Navigate uneven cash flow
Business Lines of Credit
Revolving access to capital
Draw what you need, repay what you use, and reuse the line as it revolves. You pay for what is drawn. Capacity comes back as you repay.
- 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 an advance and repay a fixed percentage of daily or weekly receipts until the purchased amount is repaid. Payments rise and fall with 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 receipts
Popular uses include:
- Launching new location
- Upgrading equipment
- Buying inventory
- Covering variable operating costs
Who Uses Working Capital Financing
Operating companies that need short-term liquidity and can repay from near-term cash flow.
Typical users:
- Distributors and wholesalers covering inventory or a slow collection cycle
- Manufacturers bridging a production or seasonal gap
- Service and staffing firms covering payroll ahead of invoices
- Retail and multi-location operators with uneven weekly receipts
- Other companies that need speed more than a long-term facility
Available in all 50 U.S. states.
When It Makes Sense
Use a short-term loan when the need is a defined amount and a fixed payment is acceptable.
Use a line of credit when the need repeats: seasonal dips, vendor terms, inventory turns. Draw, repay, draw again.
Use revenue-based financing when receipts are uneven and a payment that moves with sales is easier to live with than a fixed installment.
These products fit when the capital is short-term and the payoff is visible in operating cash. A planned equipment buy, an acquisition, or a long hold is usually a different page.
Compared with Other Options
Factoring is an alternative when the need is unpaid B2B or B2G invoices. The company converts those invoices instead of taking a short-term note against them.
ABL may be a solution when receivables, inventory, or equipment can support a revolving borrowing base, the company wants one facility, and the need will repeat.
A bank term loan or an SBA facility is usually cheaper when the need is planned and the company can wait, but those are the wrong tools when the gap is this week.
A short-term loan, a line, or revenue-based financing is the faster path when speed matters. It is easier to underwrite off revenues and deposits, and repayment is coming from near-term operating cash.
How Lenders Evaluate Working Capital Requests
Working capital underwriting varies by product. Term-loan lenders focus on business revenue, time in business, and the borrower’s credit profile. Line-of-credit lenders look at those plus cash-flow patterns and how predictably the company collects. Revenue-based providers focus on gross revenue and the consistency of daily or weekly deposits, which can make them available when a term loan or a line will not clear.
Time in business is a real threshold. Longer history and consistent revenue usually mean higher amounts, longer terms, and better pricing. Newer businesses may still qualify. Offers tend to be more conservative, shorter, and more expensive.
Personal credit still matters, even when the business has its own file. Most working-capital lenders pull the owner’s personal credit. A strong score helps approval and pricing. Recent derogatory marks can limit options or raise cost. Review both profiles before you apply. There is no single public cutoff we use.
How Does It Work?
We start with the need, the deposits, and which structure fits: short-term loan, line of credit, or revenue-based financing. You send the core financials and recent bank statements. i95 Capital structures the file and brings back options. Those offers show amount, term, payment or remittance, frequency, and fees where they apply. You choose. The lender completes underwriting and funds to the business account.
Speed is the point of these products, not a promise of next-day cash. A complete, clean file moves in days. A thin file or a larger term loan takes longer.
Short-term Working Capital FAQs
Is this the same as a bank line of credit?
Sometimes the line is a bank product. Many short-term lines and almost all revenue-based facilities are private. The structure matters more than the label.
How is this different from factoring?
Factoring advances on specific invoices. These products advance against the business and are repaid from operations or from a share of receipts.
Does applying hurt my credit?
The short form on this site does not pull personal credit. A lender will pull credit when a live offer is underwritten.
How fast is funding?
Often days from a complete file. It is not a guaranteed next-day wire.
Are payments tax-deductible?
Interest on a loan is typically a business expense. Revenue-based financing can be treated differently. Confirm with your CPA.
Do owners guarantee?
Usually yes on these products.
What to Have Ready
A working-capital file is built on deposits and a clear use of proceeds.
- Business bank statements (last 3–4 months)
- Business tax returns or year-end financials (last 2–3 years if available)
- Current interim P&L and balance sheet
- Debt schedule
- Use of proceeds
- Ownership breakdown
- Personal tax returns and a personal financial statement if the lender asks
A line or a term loan may add AR aging if invoices drive the story. Revenue-based files lean hardest on the statements and card or deposit history.
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.
