WORKING CAPITAL LOANS:
EMPOWER YOUR BUSINESS WITH FLEXIBLE FINANCING
Small Business Loans for Long- & Short-Term Financial Needs AtMerchant Pro Funding (MPF), we understand that every business faces unique challenges. Working capital loans provide the flexibility you need to manage day-to-day operations, handle unexpected expenses, and seize growth opportunities. Whether you're experiencing a temporary cash flow gap or need funds to fuel expansion, our working capital loans are tailored to help your business thrive.
Free Consultation – No Obligation
​What Are Working
Capital Loans?
Working capital loans are short-term financing solutions designed to cover everyday operational costs, such as payroll, rent, utilities, and inventory purchases. Unlike traditional loans that are geared toward large-scale investments, working capital loans help businesses navigate seasonal slowdowns, unexpected costs, or short-term cash flow challenges.
Loan Amounts:
$1,000 to $5,000,000
Interest Rates:
Starting at Prime + 2.75%
Repayment Terms:
3 months to 10 years
Approval Speed:
As fast as 1–3 business days
How Do Working Capital Loans Work?
Working capital loans provide immediate access to cash without the need for collateral or a lengthy application process. Borrowers can use these funds for various purposes, including:
Investing in short-term growth opportunities, such as bulk inventory purchases or marketing campaigns.
Bridging cash flow gaps caused by late client payments.
Covering operational expenses during slow seasons.
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Quick Access to Funds:
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Approval in as little as 24–48 hours.
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Flexible Use:
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No restrictions on how funds can be spent.
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No Collateral Required:
Many working capital loans are unsecured, reducing risk for borrowers.
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Credit-Friendly:
Available to businesses with less-than-perfect credit.
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Customizable Terms:
Choose repayment plans that align with your cash flow cycle.
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Benefits of Working Capital Loans
Who Qualifies for a Working Capital Loan?
​We work with businesses of all sizes and industries.
To qualify, most businesses meet the following criteria:
Annual Revenue:
Over $180,000
Credit Score:
550 or higher
Time in Business:
At least 6 months
Choose the Right Loan Type:
​Identify whether a traditional working capital loan, business line of credit, or merchant cash advance best suits your needs.
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Gather Your Documents:
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Voided business check
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Bank statements (past 3 months)
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Driver's license
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Submit Your Application:
Apply online or over the phone in minutes.
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3
Speak with a Representative:
Review your options, repayment terms, and interest rates with our team.
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4
Receive Your Funds:
Once approved, funds are disbursed within 1–3 business days.
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How to Apply for a Working Capital Loan
Why Choose Merchant Pro Funding (MPF) for Working Capital Loans
Fast Approvals:
Get approved quickly so you can focus on running your business.
Flexible Financing Options:
​Loans tailored to your unique needs.
Trusted Partner:
Over 2 years of experience serving small businesses.
Customer Satisfaction:
5 Star
Top Rated
What can I use a working capital loan for?
Working capital loans can be used for any operational expense, such as payroll, rent, utilities, marketing, or inventory.
Do I need collateral to qualify?
Many working capital loans are unsecured, meaning no collateral is required.
How long does it take to get approved?
Approval typically takes 24–48 hours, with funds disbursed in 1–3 business days.
Can I get a working capital loan with bad credit?
Yes, we work with businesses with credit scores as low as 550.
What are the repayment terms?
Repayment terms range from 3 months to 10 years, depending on your loan type and agreement.
Frequently Asked Questions (FAQs)
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