Financing product
Working Capital
Revenue-based working capital for businesses with steady deposits that need to move on materials, payroll, or a busy season. Priced with a factor rate, repaid on a fixed schedule, underwritten on your bank statements.
Pre-qualifying won't affect your credit score.
Quick facts
- Amounts
- $10K – $500K
- Terms
- 3 – 24 months
- Pricing
- Factor rate, est. 1.15 – 1.49
- Payments
- Daily, weekly, or monthly
- Review
- Within 1 business day
- Underwriting
- Bank statements first — reviewed by a person
What can you use it for?
Materials & supplies
Stock up before a booked-out stretch instead of floating it on cards.
Payroll & crews
Carry a bigger crew through the gap between work done and invoices paid.
Seasonal ramp
Get ahead of your busy season while cash flow is still catching up.
Quick opportunities
Take the job or the discount that won't wait for a bank timeline.
Why working capital through Built Together Funding?
Best for: Fast-moving jobs, payroll, materials, seasonal ramp-ups. One application, statements-first review, and a person who walks you through the options — not a portal that ghosts you.
- Decisions driven by real deposits, not just a credit score
- Fixed total payback — you know the full cost up front
- Daily, weekly, or monthly payment schedules
- Early payoff options with many partners
- No collateral requirement on most files
- Statements-first review, done by a person
Working Capital questions
What is a factor rate?
A factor rate is a multiplier on the amount you receive. At a 1.30 factor, $50,000 costs $65,000 in total repayment. Unlike APR it doesn't compound — the total cost is fixed at the start.
How fast can this move?
We review within 1 business day. Once a partner approves, working capital often funds in a few business days — exact timing varies by partner and file.
Do I need perfect credit?
Files are underwritten primarily on bank statements and revenue consistency. Credit is one input, not the whole picture. Pre-qualifying here does not affect your credit score.
See if working capital fits your file.
About 4–5 minutes. A straight answer within one business day. Pre-qualification is not funding approval. Final options are subject to review, underwriting, and partner availability.
Built Together Funding Corp works with a network of funding partners and is not a direct lender or the SBA. All financing is subject to partner review, underwriting, and approval. Rates, terms, and amounts shown on this site are estimates only, vary by qualifications, and are not an offer or commitment to lend. Not all applicants will qualify.