Access Working Capital Built for Business Momentum

Working capital financing is a form of business financing designed to fund operational cash flow, growth investments, and business expenses. Capital is delivered as a lump sum deposited directly into your business bank account and repaid on a fixed schedule over a set term.

Unlike a line of credit, working capital is not revolving — you receive the full approved amount upfront and repay through regular daily, weekly, or monthly payments. This structure makes working capital the right product for specific, defined capital needs: inventory builds, marketing campaigns, equipment purchases, expansion costs, payroll coverage during growth, or any situation where you need meaningful capital deployed in one move. Approval amounts typically range from approximately 100% to 150% of your average monthly gross revenue — with higher amounts available for prime borrowers.

Once approved and funded, the full amount is deposited directly into your business bank account — typically within a few hours to 1 business day. You can use the capital for virtually any business purpose, and you begin repaying on the schedule defined in your offer terms.

Repayment is structured as fixed payments — daily, weekly, or monthly — over a term that typically ranges from a few months to 24 months or longer. The total repayment amount is structured in the approval terms, so you know your full cost before you accept an offer. Many lenders also offer prepayment discounts: if you repay early, you can significantly reduce your total financing cost. In addition, there are no prepayment penalties with working capital financing.

Working capital and a business line of credit serve different purposes, and the right product depends on how much capital you need and how you plan to use it.

A line of credit is revolving — you draw funds as needed, pay financing costs only on what you use, and the credit replenishes as you repay. It's built for ongoing or unpredictable capital needs: payroll bridges, receivables gaps, seasonal inventory, or having capital available for opportunities that arise. Line of credit approval amounts tend to be more conservative.

Working capital is delivered as a lump sum with a fixed term and repayment schedule. It's built for specific, defined capital needs: a growth investment, marketing campaign, inventory build, expansion cost, or any situation where you need a meaningful amount of capital deployed in one move. Working capital approval amounts are often 2x or more the size of a line of credit for the same business. For example, a business generating $100,000 per month in revenue might qualify for a line of credit in the $40,000 to $70,000 range, while the same business would typically qualify for $100,000 to $150,000 in working capital — with prime borrowers and preferred industry types possibly $200,000 or higher.

Working capital approval amounts typically range from approximately 100% to 150% of your average monthly gross revenue, with prime borrowers, preferred industry types and specific lenders approving up to 200% or higher. Real-world examples:

• $50,000/month in revenue — typically qualifies for $50,000 to $75,000, up to $100,000 for prime borrowers
• $100,000/month in revenue — typically qualifies for $100,000 to $150,000, up to $200,000 for prime borrowers

With select lenders approvals can reach $2,000,000 or higher for strong businesses with high revenue. This is one of the meaningful distinctions between working capital and a business line of credit — the same business doing $100,000 per month would typically qualify for a line of credit in the $40,000 to $70,000 range, so when your capital need exceeds what a line of credit can deliver, working capital is often the right product.

The specific amount you qualify for depends on your time in business, revenue consistency, business bank account health, credit profile, and industry. AI underwriting allows LimeLyne to match you with the ideal lenders that will offer the highest amounts especially for businesses with strong cash flow consistency, healthy deposit patterns, or collateral.

Working capital is often priced using a factor rate rather than a traditional interest rate. A factor rate is a simple multiplier that tells you the total amount you'll repay. If you borrow $100,000 at a 1.25 factor rate, your total repayment is $125,000 — the $100,000 principal plus $25,000 in financing costs, spread across your repayment term.

Factor rates are used in working capital because repayment is typically structured as fixed daily, weekly, or monthly payments over a defined term — the total cost is locked in at the start, not recalculated each month based on remaining balance the way a traditional amortized loan works. Factor rates typically range from 1.10 to 1.50, depending on your credit profile, time in business, revenue strength, and term length. Shorter terms and stronger credit profiles earn lower factor rates.

The most important thing to understand: a factor rate tells you your total repayment upfront. On $100,000 at 1.25, you know before you sign that you'll repay $125,000 over the term. Lenders often build in prepayment discounts that can significantly reduce the cost if you repay the remaining balance early.

When you receive offers through LimeLyne, we surface the full picture of every offer: factor rate, total repayment amount, payment frequency, term length, and prepayment discount terms. You see what the financing actually costs, how it's structured, and how it compares to other offers — so you can make a confident decision.

Through LimeLyne, working capital approval typically happens within a few hours to 1 business day for qualifying businesses, with funds deposited directly into your business bank account shortly after you accept an offer. The full process — from starting the application to funds in your account — often completes within 1 business day.

Three factors enable this speed: AI underwriting scores your application within minutes rather than days, only best-fit lenders receive your application so you're not waiting on responses from lenders who would have declined or are not the best fit, and we streamline the process rather than having you go back and forth with lenders requesting additional information. Working capital is one of the fastest business financing products available, which is why it's often the right choice for time-sensitive opportunities or urgent cash flow needs.