Working capital loans

Working Capital made simple

What Is a Working Capital Loan?

Working Capital Loan describes a variety of small business financing options each with short payment terms (generally under 24 months) and small regular payments (typically paid each business day) as opposed to the larger monthly payments and longer payment terms of traditional bank loans.

Get back to what you do best.

LendSpark offers flexible capital for almost all businesses. We understand that business owners need money fast and can't afford to wait days or weeks for approval. If you want to grow your business, we can help.

Credit Card Processing is Not Required

Programs for Almost Every Credit Type and Score

Fast Turnarounds with 24-Hour Approvals

Funding up to $1,000,000 in as Little as 5 Days

Payback Periods up to 24 Months

Fast Approvals – Often Same Business Day

How Does It Work?

A LendSpark Business Loan is based upon a number of factors including the business’s cash flow, frequency of bank deposits, industry type and owner’s credit. Fixed payments are automatically transferred via ACH on a daily or weekly basis until the obligation has been met.

The business owner submits a one-page application along with the past 6 months business bank statements and, if available, the past 4 months Merchant Processing Statements. Within 24 hours a funding offer can be presented, and funding can be provided within 1-2 days of a client-executed MCA agreement.

Who Qualifies?

Companies with 6+ Months Time-in-Business
Companies with Sales of $15,000+/month
Bad Credit OK
A Bank Account and Associated Bank Statements That Are Separate from the Business Owner’s Personal Accounts
No More Than 5 Insufficient Funds Days in Any One Month

Ready to grow your business?

We match business owners with financing options that work for their business.