By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Working capital financing from $10,000 to $5,000,000. Cover payroll, inventory and everyday bills while you wait on customers. Compare ways to raise working capital, with a soft credit pull only.
Apply NowSee the Options1-866-737-6278
What working capital financing covers
- Payroll and operating costs when sales come in slower than bills
- Inventory ahead of a busy season or a big order
- Marketing pushes that bring in new customers
- Repairs and upgrades that cannot wait
- Seasonal gaps in slower months
Ways to raise working capital
| Option | Best for | Learn more |
|---|---|---|
| Merchant cash advance (Direct Fund Program) | Speed, with offers usually in 1 to 5 hours | Merchant cash advance |
| Business line of credit (partner) | Ongoing, uneven expenses | Lines of credit |
| Invoice financing (partner) | Slow paying customers | Invoice financing |
| Equipment financing (partner) | Machines and vehicles | Equipment financing |
How to size your working capital need
- List expected deposits and bills for the next 13 weeks.
- Find the week the running balance dips lowest.
- Add a cushion of a few weeks of expenses.
- Check the cost of the money against the profit it will help you earn.
Try our qualification estimator to see a realistic range, and the funding calculator to check the payment.
Who qualifies
- At least 1 year in business and at least $5,000 in monthly revenue
- Our in-house Direct program starts at about $50,000 in monthly revenue, and our marketplace program starts at $5,000 per month
- Soft pull only, and a minimum credit score of 500 for the Direct program
Related reading
See business financing, business funding, working capital funding for business owners and our guides on covering a cash flow gap and money for businesses. Find your industry or state.
Working capital financing FAQ
What is working capital financing?
Working capital financing is money used to cover the everyday costs of running a business, such as payroll, rent, inventory, supplies and marketing. It bridges the gap between when you pay your bills and when customers pay you.
What can I use working capital for?
Common uses include buying inventory, covering payroll, paying suppliers, running a marketing campaign, handling seasonal swings, repairing equipment and bridging slow collections.
How is working capital financing offered?
It is offered through partner platforms, and each partner sets its own terms, pricing and timing. If you want the fastest option, our Direct merchant cash advance is also a common way owners raise working capital, with offers usually in 1 to 5 hours.
How much working capital can I get?
Funding through Smart Business Funding ranges from $10,000 to $5,000,000, depending on your revenue, time in business and industry.
What do I need to qualify?
At least 1 year in business and at least $5,000 in monthly revenue. Partner products have their own requirements, which your representative will explain before you apply.
Will applying hurt my credit?
We use a soft pull only, so applying does not affect your credit score.
How much working capital does a business need?
A common rule of thumb is to keep enough to cover several weeks of expenses. A 13 week cash forecast shows when gaps are likely and how much you would need.
What is the difference between working capital and a business line of credit?
A line of credit is one way to get working capital. You draw what you need and pay interest on what you borrow. Other ways include an advance or invoice financing.
Get the working capital your business needs
Offers usually in 1 to 5 hours on our Direct program, funding usually in 24 to 48 hours, from $10,000 up to $5,000,000.
Apply NowCall 1-866-737-6278 (866-Re-Smart)Brokers and ISOs: become a partner.
All funding is subject to underwriting and approval. Amounts, rates, factor rates, fees and timing vary by applicant, product and transaction. Products offered through partners are provided by those partners under their own terms. A merchant cash advance is not a loan. Some states require written commercial financing disclosures, see funding by state and transparent terms. Smart Business Funding® is a registered trademark (U.S. Reg. No. 7,637,151).
