Working Capital and Business Cash Flow Funding
Working capital funding covers the gap between money going out and money coming in — payroll, inventory, materials, and seasonal slowdowns. Cap Fi Capital packages your file and presents it to lenders whose programs match your revenue profile.
Common uses for working capital
Working capital is flexible and is typically used for short-term operating needs.
- Making payroll during slow months
- Buying inventory or materials ahead of a large job
- Bridging receivables on net-30, net-60, or net-90 terms
- Marketing, hiring, or opening an additional location
- Covering unexpected repairs or emergency expenses
Documents lenders usually request
Having these ready shortens the review cycle considerably. You upload them once to your portal and we reuse them across submissions.
- Three to six months of business bank statements
- Government-issued identification
- Business formation documents and EIN
- Recent tax returns for larger requests
- A short summary of how the funds will be used
Choosing the right structure
Term loans, lines of credit, and revenue-based funding all solve different problems. A line of credit suits recurring gaps; a term loan suits a single defined expense. We walk through the tradeoffs before submitting anything so you are not comparing offers blind.
Frequently asked questions
How much working capital can a business qualify for?
Amounts are driven largely by monthly deposits and time in business. Lenders commonly size offers as a percentage of average monthly revenue.
Does applying affect my credit?
Some lenders begin with a soft review, while others require a hard inquiry before issuing final terms. We tell you which is which before submitting.
Do you charge upfront fees?
Any fees are disclosed in writing in your funding contract before you sign. Questions can be sent to Christopher@capficapital.com.
Start your file
Create a secure portal account, upload your documents once, and track every lender submission in one place.
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