Working Capital Loans & Financing
Money for payroll, stock, and the slow months.
A working-capital loan puts a lump sum in your account for day-to-day needs — payroll, inventory, marketing, a repair that can't wait — and you pay it back on a fixed schedule instead of a daily cut of your sales.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Working capital up to $150,000
A short path for the requests that can move quickly. Less paperwork up front, and we stay with you from application to funding.
Working capital up to $150,000
A short application and three months of business bank statements to start. For qualified businesses, decisions often come within days.
- Short application
- Photo ID
- 3 months of business bank statements
- A voided business check
We're commercial lending advisors, not a lender. Timing and terms depend on the lender and your file; nothing here is a commitment to lend.
Who it fits and how it works
Working capital loans fit businesses with steady deposits that need money for payroll, inventory, or a repair that can't wait. You share recent bank statements and a short application, and we match the file to programs in our lender network that fit your credit and time in business. You get a lump sum and repay it on a fixed schedule, not a daily cut of sales.
Why Working Capital
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Main Street businesses with steady deposits — restaurants, salons, clinics, shops, trades, and service companies. Businesses that sell to consumers can qualify with only a short operating history; business-to-business companies generally need a couple of years.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical amounts | $5,000 to about $1 million |
|---|---|
| Typical terms | 6 to 36 months, fixed payments |
| Credit | Options start in the mid-500s for consumer-facing businesses; around 600+ for B2B companies |
| Time in business | As little as 1 month (consumer-facing) to about 2 years (B2B) |
| Revenue | Roughly $17,000+ a month in business deposits |
| Collateral | Usually none specific; a personal guarantee is standard |
| How fast | With three months of bank statements and a signed application, decisions often come in a day or two, and many files fund within a week. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for working capital loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
Industries we often advise on for Working Capital Loan
Where working capital loan is one of the best-fit options for how the business earns.
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