Business Line of Credit
Revolving working capital, draw only what you need.
Learn moreUS lead product · Working capital
Working Capital Loans
Short-term liquidity for day-to-day operations.
$10k – $500k3 – 18 months24 – 72 hours
- Short-term amortization
- Daily or weekly ACH repayments
- Renewal-friendly for repeat commissions
What is working capital loans?
Working capital loans are short-term, cash-flow-underwritten term products designed to plug an operational gap rather than fund a capital project. Repayments are usually daily or weekly ACH.
Renewal rates are high, most funded borrowers return within 6–12 months, which makes this a lead product with strong lifetime value for the buyer.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $10k – $500k
- Typical term
- 3 – 18 months
- Indicative rates
- 10% – 35% APR (indicative)
- Funding speed
- 24 – 72 hours
- Typical borrower
- Operators managing cash-flow gaps and seasonality.
- Why brokers want these
- High-frequency need; borrowers often return for a renewal within 12 months.
Common use cases
- Payroll and rent gap coverage
- Seasonal inventory buys
- Emergency repairs and equipment breakdowns
- Marketing campaigns tied to a specific season
Typical borrower qualifications
- 6+ months TIB
- $15k+ monthly revenue
- FICO 550+
Why brokers buy from us
Why working capital brokers buy working capital loans leads from us
What makes this feed different from generic aggregator flow.
Urgency tag routed to lenders with matching same-day / 48-hour turnaround
Bank-statement prompt fires on ~35% of enquiries, cuts time to first offer
Renewal suppression on funded borrowers gives you 12-month renewal window
Compare
How working capital loans compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Business Line of Credit
LOC is revolving and cheaper long-run; WC is faster and better for one-off gaps with clear payback.
View Business Line of Creditvs Merchant Cash Advance
MCA is card-revenue flex; WC is fixed daily/weekly ACH, pick based on merchant preference.
View Merchant Cash Advancevs Term Loans
Term loans have 1-5y amortization for capex; WC is 3-18 months for operating shortfalls.
View Term LoansOur lead generation process
How we generate working capital loans leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- Google Search Ads on 'working capital loan' and 'payroll loan' urgency terms
- SEO on seasonal cash-flow and payroll-gap content
- Retargeting from LOC, MCA and term-loan visitors who bounced on cost
- Renewal-cycle email nurture to opted-in previously-funded borrower list
Data captured on each lead
- Requested amount, use of funds and urgency (24h / 72h / this week)
- Time in business, monthly revenue and industry
- Owner FICO band and existing positions / stacking
- State and business checking bank
Vetting workflow
- 6-month TIB and $15k revenue gate at capture
- Urgency tag routed to funders with matching turnaround SLA
- 3-month bank statement upload prompt where applicable
- TCPA + CAN-SPAM consent with IP, timestamp, source URL
What a lead looks like
Verified enquiry
$10k · Working Capital Loans
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Requested amount, use of funds and urgency (24h / 72h / this week)
- ✓
- Time in business, monthly revenue and industry
- ✓
- Owner FICO band and existing positions / stacking
- ✓
- State and business checking bank
- ✓
Who this suits & how we qualify
Best fit for
ISOs, alt lenders and MCA-adjacent funders.
Qualification standard
- 6-month TIB and $15k revenue gate at capture
- Urgency tag routed to funders with matching turnaround SLA
- 3-month bank statement upload prompt where applicable
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of working capital loans leads.
Related products
Other working capital lead flows we supply.
Merchant Cash Advance
Advance against future card sales, flexible repayments.
Learn moreAlternative Financing
Short-term & unsecured term loans outside traditional bank underwriting.
Learn moreReady for vetted Working Capital Loans enquiries?
Tell us your credit box and volume, we'll come back within one business day.