Fast Working Capital to Keep Your Business Moving Forward
Access $5,000 to $2,000,000 in working capital — often within 24 hours. Cover payroll, stock inventory, manage cash flow gaps, or seize growth opportunities without missing a beat.
Working Capital at a Glance
When Does Your Business Need Working Capital?
Every business faces moments when cash flow doesn't line up with expenses. Working capital bridges that gap.
Payroll Coverage
Ensure your team gets paid on time even when customer payments are delayed. Cover payroll taxes, benefits, and contractor payments without stress.
Inventory Purchasing
Stock up ahead of busy seasons or take advantage of supplier bulk discounts. Buy at the right time to maximize margins.
Revenue Growth Gaps
When revenue is climbing but expenses outpace collections. Bridge the timing gap between spending for growth and realizing returns.
Emergency Repairs
Equipment breakdowns, facility damage, or urgent technology needs that can't wait. Get back to full operations fast.
Tax Obligations
Cover quarterly estimated taxes, annual filings, or unexpected tax liabilities without disrupting daily operations.
New Contracts & Projects
Fund upfront costs for new contracts — materials, labor, supplies — while waiting for milestone payments or final invoicing.
Why TrustScore for Working Capital?
24-Hour Funding
Apply today, get funded tomorrow. Our streamlined process eliminates weeks of bank waiting.
Minimal Documentation
4 months of bank statements and a simple application. No tax returns, no business plans, no lengthy paperwork.
Flexible Credit Requirements
We approve businesses with credit scores as low as 550. Your revenue strength matters more than your credit score.
No Collateral Needed
Unsecured working capital based on your business cash flow. No real estate or equipment liens.
Transparent Pricing
Clear factor rates and total cost of capital disclosed upfront. No hidden fees, no surprises.
Sample Working Capital Scenario
*Illustrative example only. Actual rates vary by qualification.
Working Capital FAQ
What's a factor rate?
A factor rate is a decimal number (e.g., 1.25) multiplied by your loan amount to determine total repayment. A $100K loan at 1.25 factor = $125K total repayment. Unlike APR, factor rates are fixed regardless of early payoff.
Can I pay off early?
Yes. Many of our working capital programs offer early payoff discounts. If you repay in full before your term ends, you may save on total interest costs. Ask your funding specialist about specific terms.
How are repayments structured?
Most working capital loans use automatic daily or weekly ACH debits from your business bank account. This spreads the cost evenly and aligns with your cash flow.
Can I get working capital with bad credit?
Yes. We work with credit scores as low as 550. Working capital underwriting focuses primarily on your business bank statements and revenue — not just your personal credit score.
What's the difference between working capital and a line of credit?
Working capital is a lump-sum advance with a fixed repayment schedule. A line of credit is revolving — you draw and repay as needed. Working capital is faster to fund and available with lower credit scores.
Working capital funding is subject to approval based on business financials and bank statements. Factor rates and terms vary by applicant qualification. TrustScore Business Funding is not a direct lender; we connect businesses with our network of funding partners. Funding timelines are estimates. TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.