Working Capital Loan Alternatives
Fast Small Business Funding in as little as 4 Hours
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Speak to a Funding Expert in 3-5 Min Max
Why Working Capital Matters for Small Business Success
Cash flow can make or break a business. That’s why we provide small business working capital options designed to keep your company steady during slow periods and thriving during busy ones.
Our working capital for small business solutions adapt to your needs — from covering payroll and stocking inventory to funding expansion — not the other way around.
Healthy net working capital ensures that your company’s current assets exceed its liabilities — the key to maintaining daily operations and long-term growth. FundKite helps you achieve that balance by delivering capital quickly and efficiently, so you’re never left waiting for a bank’s approval.
Strong working capital financing is what allows businesses to survive uncertainty and grow sustainably — and with FundKite, that stability is just hours away.
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Working Capital Funding vs. Traditional Working Capital Loans
| Bank Loans | FundKite Working Capital Funding |
|---|---|
| Fixed monthly payments | Payments based on revenue |
| Long approval times | 4-hour decisions |
| Collateral required | No collateral needed |
| Limited flexibility | Custom funding options |
Working Capital Funding vs. Traditional Working Capital Loans
| Bank Loans | FundKite Working Capital Funding |
|---|---|
| Fixed monthly payments | Payments based on revenue |
| Long approval times | 4-hour decisions |
| Collateral required | No collateral needed |
| Limited flexibility | Custom funding options |
Freedom to move, fund, and grow — that’s the FundKite difference.
Our small business working capital loan alternatives are designed to be fast, fair, and flexible — helping entrepreneurs stay focused on what truly matters: running and expanding their business.
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How Working Capital Funding Works
Apply Online
Get Approved Fast
Submit
Receive Funds
Perfect credit not required.
Repay Flexibly
This revenue-based structure makes our working capital programs simple, sustainable, and smart.
Unlike traditional lending, our process doesn’t rely solely on credit scores or collateral. Instead, FundKite evaluates your business performance, daily revenue consistency, and cash flow health to offer a funding amount that aligns with your reality.
You can use this capital to reinforce your net working capital position — ensuring you have the liquidity needed for smooth operations, rapid response, and steady expansion.
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Understanding Net Working Capital
Your net working capital is the difference between your current assets and liabilities. FundKite’s funding solutions help keep that balance positive so you can cover short-term obligations and reinvest in growth.
Strong working capital finance means a strong foundation for long-term success.
Our funding helps improve your liquidity ratio — ensuring you can pay vendors, manage debt, and still have enough to reinvest. With a steady source of working capital financing, you can turn opportunities into outcomes without compromising financial health.
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Who Qualifies for Working Capital Financing
You may qualify if you:
Our working capital lenders review your business performance, not just credit scores — making approval faster and fairer.
This inclusive approach allows FundKite to support businesses that might otherwise be overlooked by banks. We believe that healthy revenue and strong operations should matter more than a perfect credit history.
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Understanding
Net Working Capital
Your net working capital is the difference between your current assets and liabilities.
FundKite’s funding solutions help keep that balance positive so you can cover short-term obligations and reinvest in growth.
Strong working capital finance means a strong foundation for long-term success.
Our funding helps improve your liquidity ratio — ensuring you can pay vendors, manage debt, and still have enough to reinvest. With a steady source of working capital financing, you can turn opportunities into outcomes without compromising financial health.
Speak to Funding Expert:
Who Qualifies for Working Capital Financing
Our working capital lenders review your business performance, not just credit scores — making approval faster and fairer.
Speak to Funding Expert:
This inclusive approach allows FundKite to support businesses that might otherwise be overlooked by banks. We believe that healthy revenue and strong operations should matter more than a perfect credit history.
Industries We Support
From restaurants and retail to construction and healthcare, FundKite has helped thousands of businesses secure the working capital they need to thrive.
Restaurant Working Capital
Expansion Capital
Seasonal Working Capital
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Why Business Owners Choose FundKite
Understand real-world cashflow challenges
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Working Capital Funding That Works as Hard as You Do
Every successful company needs cash on hand to handle expenses, pay employees, and seize new opportunities. FundKite’s working capital solutions give business owners the flexibility to grow without waiting weeks for bank approvals.
With approvals in as little as 4 hours and funding in 24-48 hours, you’ll have quick access to the capital you need — when you need it.
Keep your operations running smoothly and your growth momentum strong.
Accessing working capital for small business isn’t just about covering bills — it’s about keeping control of your future. FundKite empowers you to act fast when opportunity knocks, so you can expand your inventory, upgrade your tools, or handle seasonal shifts with confidence.
From restaurants and construction firms to eCommerce brands and retail stores, our business working capital funding helps you stay ahead of the curve.
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Benefits of FundKite Working Capital Funding Solutions
Speed
Flexibility
Accessibility
Transparency
High Limits
Funding up to $2 million
Our business working capital options help you keep operations strong without disrupting cash flow.
Because repayment scales with your revenue, you’ll never feel overextended during slower periods. As your business grows, you can pay down faster — with no penalties or prepayment fees. It’s financing built around your rhythm, not rigid bank schedules.
FundKite’s team of experienced working capital lenders also ensures every offer is custom-fit. You’ll have a dedicated Funding Expert who understands your industry and your goals, making the process personal, fast, and transparent.
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Apply for Working Capital Funding Today
Approvals in as little as 4 hours
Funding within 24-48 hours
No impact on credit to apply
Dedicated Funding Experts to guide you
With FundKite, there’s no waiting weeks or signing piles of paperwork — just straightforward, fast, and fair funding built to power your next stage of growth.
Frequently Asked Questions About Working Capital Funding
Everything you need to know about payroll funding solutions
What is a working capital loan alternative?
How fast can I get approved for working capital funding?
What can I use my working capital for?
How does FundKite differ from other working capital lenders?
Can I apply with less-than-perfect credit?
Can I pay off early?
How do I calculate net working capital?
Do I need collateral for a FundKite working capital solution?
What industries qualify for working capital financing?
How does repayment work?
Is FundKite funding available nationwide?
FundKite does not offer loans, it provides revenue based Financing, based on your business gross sales