Working Capital Funding
Even the most successful business can’t plan for every scenario. That’s why we make it easy to get financing fast.
When you find yourself with unexpected business circumstances, look to us for a range of solutions that can bring in cash in as little as 24 hours. We have options that aren’t limited to a specific use, so you can apply the funds anywhere your business needs them, from raw materials to purchase orders, payables, and more. You can also go beyond loans with factoring and sale-leaseback options.
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Use fast cash to strike on limited-time offers or take advantage of new business opportunities. Our short application process means you won’t have to wait around for weeks or months to get an answer. Once funded, easily transfer the money into your account with automated disbursements or a one-time deposit.
Solutions
Working Capital
Take care of everyday needs like supplies, payroll, utilities, and furniture with a working capital loan. Working capital loans aren’t tied to a specific purchase like a real estate or equipment loan. That means you can put the funds toward any business expense you like.
A working capital line of credit lets you borrow up to your limit as often as you like. Unsecured lines are available to businesses with high credit scores. If your score isn’t what you want, you can secure a line with real estate, equipment, or other assets.
If a loan doesn’t make sense for your small business right now, we can show you ways to reduce your debt to free up working capital.
Factoring
Factoring is one way to get cash quickly based on your accounts receivable. In some industries, the customary grace period for invoice payments can be months. That leaves your business waiting on funds it could be using to restock materials, hire labor, and take on new orders.
Instead of taking out a loan to cover expenses while you wait for accounts receivable, you can sell them. Sell your invoices, contracts, and purchase orders to a factor that gives you cash upfront. The factor then collects repayment from your clients and forwards any excess back to you, minus a small fee.
Hard Money Loans
A hard money loan works for businesses that have valuable assets, but limited liquidity. Use real estate to secure a hard money loan based on the value of your property. You’ll get a percentage of the property’s current value, typically between 65% and 75%.
Hard money loans can be approved quickly and are meant to cover short-term expenses. Terms can be as little as a few weeks or a few years. Don’t get locked into a long-term commitment unnecessarily. A shorter payment horizon reduces the amount of interest you pay in the long run. Asset-based financing is a great choice for businesses with lower credit scores.
Sale-Leaseback
A sale-leaseback is the sale of an asset, usually equipment, to a lender who leases the asset back to the business. You can get a lump sum cash payment based on their current market value if you have high-value equipment like construction vehicles, combine harvesters, computer servers, or commercial ovens.
A sale-leaseback lets you keep the equipment in place after the sale and continue to use it in return for regular lease payments. You won’t disrupt the flow of operations when ownership changes hands. At the end of the lease, you may have the option of buying the equipment back, renewing the lease, or surrendering the equipment.
Advantages
Maintaining sufficient working capital provides your business the capacity to remain flexible to customer demand. But not all working capital needs to be held in cash. Kaptos has a number of ways to open up cash to give you the flexibility you need.
Get approved for cash quickly
Revolving credit gives you access to same day, or next-day money.
Leverage your assets to generate cash
Private captial provides short term funding leveraged against current assets.
Short and long-term solutions
With a network of lenders, we can match your plan to the right financial product and provider.
Flexible use
Working capital can be applied to any business need.
Lender Network
In Available Funds
Fast Approval
You don’t have to wait to get the cash your business needs. Get financing today to increase your business’s working capital. You’ll have the freedom to handle immediate expenses or fund new projects in just a few easy steps. Find out more about quick cash options by getting in touch with our professional finance team today.
F.A.Q.s
Do I need good credit to get fast cash?
Is a hard money loan the same as a bridge loan?
Both types of loans are asset-based, short-term, and flexible. The main difference lies in who the lender is. Most banks offer bridge loans, while hard money loans tend to come from private lenders.
Can an SBA loan be used for working capital?
Yes, the SBA 7(a) loan lets you use the funds for working capital. These loans are subject to the Administration’s restrictions but are also regulated to keep interest rates low.
Q. Is a line of credit the same as a credit card?
They’re both forms of revolving debt, meaning you can borrow, payback, and borrow again. However, lines of credit usually have higher credit limits and lower interest rates. They can also be secure on real property, while most credit cards cannot.