Working Capital
- Get cash upfront to help bridge gaps in cash flow.
- Funding from $5,000 to $200,000.
- Great for a specific business investment, like starting a new project or making a large purchase.
- 6 to 24 Month Terms
- $5K to $200K
- No Impact to Your Credit
- 5 Minute Application
Funding Quiz · 60 seconds
See how much Working Capital you could qualify for
Answer a few quick questions. Checking won't affect your credit score.
How much funding do you need?
No hard credit pull. Your info stays private.
What is Working Capital?
Working capital gives your business upfront capital for any business-related need or expense. There are no restrictions on how the money is used, approval is based on your business's revenue and performance, and it can become a renewable source of capital as you pay it down.
It's one of the most flexible funding programs available, and a strong fit for established businesses that need capital quickly. Your Rrova advisor compares your options so you choose terms that fit your cash flow.
Working Capital at a glance
- Funding amount
- $5,000 to $200,000
- Terms
- 6 to 24 months
- Based on
- Business revenue
- Use of funds
- Any business purpose
- Time to fund
- Often within days
- Credit check to start
- No hard pull
Who it's best for
- Businesses with consistent monthly revenue
- Seasonal businesses bridging slow months
- Owners who need capital quickly
- Taking on a larger contract or project
How Working Capital works with Rrova
- 1
Take the funding quiz
Tell us how much you need and a little about your business. It takes about 2 minutes.
- 2
Share your bank statements
Most lenders only need a short application and your last few months of business bank statements.
- 3
Compare your offers
Your Rrova advisor walks you through every offer so you pick the amount, term and payment that fit your cash flow.
- 4
Get funded
Accept your offer and receive funds directly in your business bank account, then put them to work.
What can you use working capital for?
- Payroll during slower months
- Bridging seasonal swings
- Bulk inventory and supplier discounts
- Hiring and expansion
- Taking on larger contracts
- Rent, repairs, and operating costs
How does working capital funding work?
- 1Take the 2-minute funding quiz
- 2Share your recent business bank statements
- 3Review your offers with your Rrova advisor
- 4Accept the option that fits your business
- 5Receive your funds and put them to work
Do I Qualify For Working Capital?
Minimum requirements
- 6 Months In Business
- Greater than $100K Annual Revenue
- 600+ FICO Score
To qualify for our business funding programs you'll need to meet a few minimum requirements. If you're not quite there yet, we'd still love to help you get there.
See If You QualifyYou deserve great service. With Rrova, you get real people to talk to.
Your U.S.-based funding advisor is here to help you through each step of the funding process.
Frequently asked questions
How fast can I get working capital?
Timelines depend on the lender, but working capital decisions are often among the fastest types of funding once your documents are submitted.
What can I use working capital for?
Almost any business purpose, including payroll, rent, inventory, marketing, repairs, and covering gaps between customer payments.
What documents will I need?
Most lenders ask for a short application and your last few months of business bank statements.
Explore other programs
Business Line of Credit
A revolving credit line you draw from as needed and only pay on what you use. Ideal for ongoing expenses and unexpected opportunities.
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Equipment Financing
Finance vehicles, machinery, technology, and tools with fixed monthly payments. The equipment itself secures the financing.
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0% Business Credit Cards
Stack 0% intro APR business credit cards for interest-free capital. Great for startups with good personal credit and no revenue history.
Learn moreImportant funding information
Rrova is a financial consulting firm, not a bank or direct lender. We help position your business to apply for third-party business credit and funding products. Any fees for our services are disclosed to you in writing before you enroll.
Funding amounts
Access up to $200,000 in business funding based on your credit profile, lender criteria, and approval. Amounts are not guaranteed and vary by applicant.
Rates & terms
Rates, terms, and any introductory offers are set by the lender and depend on your qualifications. Standard terms apply after any promotional period.
Collateral & guarantees
Unsecured funding options may be available without collateral. Personal-guarantee requirements vary by product and lender.
Timeline
Initial review typically takes 24–48 hours. Actual lender approval and funding times vary.