Direct lender · Same-day decisions · Funding up to $500K Call now: (908) 484-6481
Funding option

Working Capital

Flexible short-term funding that keeps day-to-day operations running smoothly. Smooth out uneven cash flow, cover payroll, restock inventory, or get through a slow season without missing a beat — then repay on a schedule that fits your revenue.

Apply nowAll funding options
$5K – $100K
Funding range
Up to 12 months
Typical term
Same day
Approval to funding
Common uses

What owners use it for

Make payroll during a slow stretch
Stock up on inventory
Cover unexpected expenses
Good for

Is it a fit?

Businesses with seasonal or uneven cash flow
Covering recurring operating costs
Owners who want fast, flexible access to capital
How it works

Funded in three simple steps

1

Apply in minutes

One short online application. No stacks of paperwork, no obligation.

2

Get approved same day

A real underwriter reviews your file and comes back fast — often within hours.

3

Get funded

Approved funds hit your account, often the same day. Then you get to work.

Apply for Working Capital
Why The Funding Depot

How we compare

The speed of an online lender, the guidance of a banker — without the fees or the runaround.

The Funding Depot
Banks & SBA
Online lenders
Credit cards
All costs fixed and in writing at approval
Varies
Varies
Soft credit check to apply
Varies
Fully online application
Same-day approval & funding
Varies
Builds your business credit
Varies
Varies
A dedicated funding advisor
Varies

Ready to apply for Working Capital?

Apply in minutes and get a decision today. No obligation.

Start my application (908) 484-6481