Fast Working Capital Loans for Dallas Businesses

Fast Capital When You Need It Most

When your business needs capital fast, our working capital loans deliver. We provide $5,000 to $600,000 with factor rates starting at just 1.11 and terms from 6 to 24 months—often with same-day funding.

Unlike traditional bank loans that can take weeks or months, our streamlined process means you can get pre-qualified in minutes and receive funding as fast as the same day.

How Working Capital Loans Work

A working capital loan provides a lump sum of cash that you repay over a fixed term with a predetermined factor rate. Here’s what makes our working capital loans different:

Factor Rate Pricing

Instead of traditional APR, working capital loans use factor rates. A factor rate is a multiplier applied to your loan amount to determine total repayment. For a detailed explanation of how factor rates work, see our guide to understanding factor rates.

Example: $50,000 loan × 1.15 factor rate = $57,500 total repayment

Flexible Repayment Options

• Daily Remittance: Small automatic payments each business day
• Weekly Remittance: Larger payments once per week

These automatic payment options help you budget while ensuring consistent cash flow management.

Use Your Working Capital For

Working capital loans can be used for virtually any legitimate business purpose. See our 7 smart ways to use working capital for ideas on maximizing your ROI:

• Inventory purchases for busy seasons
• Payroll coverage during cash flow gaps
• Marketing campaigns to drive growth
• Equipment repairs or small upgrades
• Hiring and training new employees
• Rent and utilities during slow periods
• Unexpected expenses or emergencies

Working Capital Loan Requirements

Our approval process looks at your whole business, not just your credit score:

• Time in Business: Minimum 6 months
• Monthly Revenue: $15,000+
• Credit Score: FICO scores from 500+ considered
• Bank Statements: 3 months of business bank statements
• Business Type: Most industries accepted

Our Approval Process

1. Quick Application (5 minutes) - Basic business and owner information
2. Document Upload - 3 months of bank statements
3. Fast Review (2-4 hours) - Our underwriting team evaluates your profile
4. Multiple Offers - Choose from tailored financing options
5. Same-Day Funding - Funds deposited directly to your account

Why Choose Us for Working Capital?

Speed

We understand that when you need capital, you need it now. Our process is designed for speed without sacrificing personalized service.

Approval Odds

Our data-driven underwriting considers your full business picture—not just credit scores. We approve 90% of eligible applicants.

Flexibility

With terms from 6 to 24 months and multiple repayment options, we find terms that match your cash flow cycles.

Transparency

No hidden fees. Our factor rates and origination fees are disclosed upfront so you know exactly what you’re paying.

Working Capital vs. Other Financing Options

Ready to get the working capital your business needs? Apply now for a free quote with no impact to your credit score.