Working Capital Loans
Cover payroll, inventory, and the gaps between revenue with funding built for day-to-day operations. Get matched with lenders in minutes — free to apply, no hard credit pull.
Start your match
Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
What working capital funding is for
Working capital is the cash your business needs to cover everyday operations — payroll, rent, inventory, supplies — rather than a one-time investment. It bridges the timing gap between money going out and revenue coming in.
When businesses use it
- Making payroll during a slow stretch
- Buying inventory ahead of demand
- Covering rent and bills between invoices
- Handling an unexpected cost or repair
- Taking on a bigger order than current cash allows
How it's structured
- Short-term loans repaid over months
- Lines of credit you draw on as needed
- Merchant cash advances against daily sales — the right structure depends on whether your need is one-time or recurring
What lenders look at
- Monthly revenue and deposits
- Time in business
- Cash-flow consistency — strong steady revenue can offset a lower credit score
Working capital loans for small businesses with bad credit
Day-to-day cash needs don't wait for a perfect credit score. Revenue-based working capital approves on your monthly deposits rather than your FICO, so a small business with steady sales can cover payroll, inventory, or a cash gap even with credit in the 500s — usually funded in a few days.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
A business line of credit gives you funds to draw on when you need them — and you only pay for what you use. Compare offers, no hard credit pull.
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
A merchant cash advance gives you cash now, repaid as a percentage of daily sales. See if you qualify — compare offers, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
