What is Working Capital?
Working capital financing provides the cash flow your business needs to cover day-to-day operational expenses. Unlike long-term loans for major purchases, working capital loans help you manage short-term needs like inventory restocking, payroll during slow seasons, unexpected repairs, or seizing time-sensitive opportunities.
With Alliance Financing Group, you get instant access to 70+ lenders competing to fund your business with the best terms available.
Common Uses for Working Capital
- Inventory purchasing and restocking
- Payroll and employee expenses
- Seasonal cash flow gaps
- Marketing campaigns and expansion
- Equipment repairs and maintenance
- Unexpected business expenses
- Taking advantage of supplier discounts
Who Qualifies?
- Minimum $250K in annual revenue
- At least 6 months in business
- Credit score of 600+ (some lenders accept lower)
- No recent bankruptcies or major tax liens
How It Works
1. Apply in 5 Minutes: Complete our simple application with basic business information.
2. Smart Matching (48 Hours): Our technology analyzes 70+ lenders to find your best matches based on your business profile.
3. Compare Offers: Review multiple pre-qualified offers side-by-side with transparent rates and terms.
4. Get Funded (1-7 Days): Choose your preferred offer and receive funds directly deposited to your business account.
Why Choose Alliance Financing Group?
- Smart Matching: Get matched with lenders who want your business, not rejected by ones who don't
- No Impact on Credit: Our initial matching process doesn't affect your credit score
- Transparent Pricing: See all fees and rates upfront before you commit
- 35 Years of Expertise: Backed by decades of commercial lending experience
- Fast Decisions: Hear back in 48 hours, not weeks
Typical Rates & Terms
Interest Rates: 8-30% APR depending on credit, revenue, and business strength
Loan Terms: 6-24 months typical repayment period
Funding Speed: 1-7 business days after approval
Origination Fees: 0-5% depending on lender and loan amount
*Rates vary by lender and are based on business creditworthiness, revenue, time in business, and other factors.