Large Working Capital Loans: $100K to $5M for High-Revenue Businesses

Strong monthly deposits unlock bigger amounts and better terms. Approved on your bank statements, funded in as little as 24 hours.

Who this is for

This is large working capital for established operators moving real volume — businesses doing roughly $50,000 to $100,000+ in monthly deposits, or $600K to $1M+ a year. If your revenue is strong and consistent, you're not looking for a small loan to plug a hole. You're looking for a facility big enough to fund inventory, payroll, a new location, or a growth push without slowing down.

We approve on the strength of your bank deposits, not just your credit score. The larger and steadier your monthly revenue, the larger the amount you can access — and the better the terms you'll see. FICO 500+ is fine. A soft pull to check won't touch your credit.

How much you can get — and how it scales with your deposits

Funding runs from $10,000 up to $5M, but this page is built for the higher end: $100K to $5M for businesses with the revenue to support it. Your monthly deposit volume is the single biggest lever.

• Bigger deposits, bigger amount. Lenders size your facility off average monthly revenue. Strong, consistent deposits open the door to six- and seven-figure funding.
• Consistency drives better terms. Steady month-over-month deposits — not one big spike — signal a healthy business and earn you stronger pricing and longer terms.
• No collateral for working capital. You don't pledge equipment or property to access working capital at this level.

Real example: A distribution business depositing about $85,000 a month — roughly $1M a year — with consistent statements can typically access a facility in the $150K to $250K range, and larger as revenue and history support it. Send clean bank statements, get a real number back the same day.

How it works — 3 steps

What serious operators use it for

• Inventory and bulk purchasing — buy deep, hit supplier discounts, and turn it before the term is up.
• Payroll and staffing — cover a growing team through a busy stretch without cash-flow stress.
• New location or expansion — fund the buildout, equipment, and ramp-up of a second (or third) site.
• Large contracts and projects — front the materials and labor to take on bigger jobs.
• Bridging seasonal swings — keep operations running full-speed through slower months.

Who qualifies

• Established business with strong, consistent monthly deposits (target $50K–$100K+/month for larger amounts)
• Several months of business bank statements to show revenue
• FICO 500+ — credit is one factor, not the whole decision
• No collateral required for working capital

Straight answers

How large a working capital loan can I actually get?

Amounts run from $10,000 to $5M. For most high-revenue businesses depositing $50K–$100K+ a month, six-figure facilities are realistic — and larger amounts open up as your deposit volume and history grow.

What determines the amount and terms?

Your bank deposits. The stronger and more consistent your monthly revenue, the larger the amount and the better the terms. Credit matters, but deposits carry the most weight.

Does checking hurt my credit?

No. Checking your options is a soft pull. It won't affect your credit score.

How fast can I be funded?

As little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day funding is possible. Sign Friday afternoon and it lands Monday.

Do I need collateral for this much funding?

No collateral is required for working capital, even at higher amounts. Approval is based on your revenue.

My credit isn't perfect — can I still get a large amount?

Yes. FICO 500+ is fine. Strong monthly deposits can carry a large approval even when credit isn't perfect.

Ready to see your number?

If your business is doing real volume, you should be funded like it. Send your statements, get a real amount and terms back — often the same day — and put the capital to work.