No hard credit pull to review your options. Same-day funding may be available.
Working capital financing helps businesses cover everyday operating costs such as payroll, inventory, rent, supplier payments, and seasonal gaps. Funderial provides access to multiple types of working capital solutions, including true loans (such as SBA-backed options and other term or revolving financing) as well as advances and merchant cash advances. The best fit depends on how quickly you need funds, how you prefer to repay, and your priorities around cost and flexibility.
See Your Options
| Option | Structure | Typical speed | Repayment style | Best suited for |
|---|---|---|---|---|
| SBA-style working capital loans | True loan | Weeks | Fixed monthly payments | Established businesses seeking lower long-term cost |
| Term loans & lines of credit | True loan | Days to a couple of weeks | Fixed or revolving | Predictable needs or ongoing access |
| Working capital advances / Merchant cash advances | Advance (not a traditional loan) | Same day to 48 hours | Percentage of sales or fixed ACH | Speed, variable revenue, or when traditional loans are not a fit |
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True loans (including SBA options and many term or revolving products) create a debt obligation with interest and defined repayment terms. Advances and merchant cash advances are structured as a purchase of future receivables. They are not traditional loans, use a factor rate rather than an interest rate, and repayment is often tied to sales volume. Both can fund working capital needs, but they differ in cost, flexibility, and qualification approach.
Payroll and staffingInventory and supplier paymentsRent, utilities, and overhead during slower periodsMarketing or short-term growth initiativesBridging seasonal or temporary cash flow gapsFunderial is both a direct funder and a financing marketplace. We review your business details (with no hard credit pull at the review stage) and help identify options that may fit, starting with in-house programs where appropriate and including additional marketplace solutions when they better match the need. Same-day funding may be available on certain products once approved.
You can also explore our other financing options
Review options without a hard credit pull.Decisions can come back quickly on many programs.Funding amounts and terms vary by product and business profile.Documentation is typically lighter than traditional bank lending for many non-SBA options.A working capital loan is a traditional loan with interest and fixed repayment terms. A merchant cash advance is not a traditional loan — it is an advance against future sales, typically repaid as a percentage of daily or weekly sales using a factor rate instead of interest.
Speed varies by product. Advances and some direct funding options can fund as quickly as the same day or within 24–48 hours after approval. Traditional loans and SBA-style options generally take longer.
No. Funderial does not perform a hard credit pull when reviewing your options.
Working capital can typically be used for everyday business expenses such as payroll, inventory, rent, utilities, supplier payments, marketing, and other operating costs.
Yes. Funderial provides access to SBA-backed financing options for qualified businesses, along with other loan and advance products.
Basic business information, recent bank statements, and details about your revenue and funding needs are usually sufficient to begin reviewing options. Additional documentation may be required depending on the product.
It depends on the product. Many working capital advances and some loan options do not require collateral. SBA and certain larger loan products may require collateral or a personal guarantee.
Complete the quick form to get matched with the best funding options for your business. It only takes a minute and won’t affect your credit score.
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