Working capital tools built for savvy retailers

Working capital is a financing solution that provides businesses with access to short-term funds to cover day-to-day operations, manage cash flow gaps, or invest in growth opportunities. Our working capital solutions include:

-Accounts payable financing to delay vendor payments.
-Accounts receivable financing to accelarate cash collection from receivables.
-Revolving line of credit to use for larger cash needs.

Unlike a traditional loan or MCA, working capital line of credit solutions are tied directly to invoices and bills. This means:

No lengthy paperwork or collateral requirements.
Terms that match your actual cash conversion cycle (30–60 days instead of year-long loans you don’t need).
Flexible draw mechanic, you only pay for what you use.

Pay suppliers upfront and secure early pay or bulk discounts.
Cover large bills by spreading payments over time.
Smooth cash flow when customers pay late.
Fund growth initiatives like inventory, staff, equipment, and expansion projects.
Finance materials needed for larger customer orders.

Credit limits are determined by monthly revenue and historical financials, modeled by our AI-driven underwriting engine. Typical transaction limits are up to $500k per invoice/bill. Lines of credit scale as your business grows, with re-underwriting every 90 days to increase available capital.

The application takes only 5–10 minutes. Businesses can often receive decisions instantly, with proposals delivered within 24–48 hours. Once approved, uploading an invoice or bill results in vendor payment the next day or immediate funding to your account.

Yes. Customers can repay anytime without penalty. Early repayment saves you financing fees since costs accrue only for the time funds are outstanding. The only non-refundable cost is the initial 1% processing fee.