How fast can I get working capital?

Often within 24 to 48 hours of approval, which is frequently same-day. It is the fastest mainstream small-business funding option.

Why is working capital more expensive than a term loan?

Speed and easier qualification carry a higher cost of capital. If you have more time, a line of credit or term loan is usually cheaper.

What is a factor rate?

A multiplier on the amount advanced. A $50,000 advance at a 1.25 factor means $62,500 total payback, regardless of schedule. It is not an APR, so compare offers by total payback, not by a percentage.

Can I get working capital with average credit?

Often yes — working capital products tend to weigh recent revenue and cash flow more heavily than credit score, which is part of why they cost more.

WithFunded › Working Capital

Working Capital: the fastest way to cover a short-term gap

Working capital financing is built for speed — funds can reach your account in as little as 24 to 48 hours. The trade-off is cost: it's the most expensive form of capital, and it's often priced as a factor rate rather than an APR.

A WithFunded guide · Rates as of June 2026 · Updated quarterly

Quick facts

Best for: Urgent, short-term cash flow gaps
Funding speed: As fast as 24–48 hours
How it's priced: Often a factor rate or fee, not an APR
Terms: Short; daily or weekly remittance is common
Trade-off: Fastest and easiest to qualify, highest cost
Credit fit: More flexible on credit than bank financing

Built for speed

When a gap can't wait — payroll is due, a supplier needs paying, an unexpected bill lands — working capital is the product that moves fastest. Approval is often same-day and funds can arrive within 24 to 48 hours. That speed and the looser credit requirements are why it costs more than a line of credit or term loan.

How working capital is priced — read this before you compare

Many working capital advances are priced as a factor rate, not an APR. A factor rate is a multiplier on the amount advanced. For example, a $50,000 advance at a 1.25 factor means you repay $62,500 in total — a $12,500 cost of capital — regardless of how the payments are scheduled.

Advance	Factor	Total payback	Cost of capital
$25,000	1.20	$30,000	$5,000
$50,000	1.25	$62,500	$12,500
$100,000	1.30	$130,000	$30,000

Illustrative factor rates only — actual factors are set by the lender. WithFunded calculation.

Because a factor rate isn't an APR, the only honest way to compare two working-capital offers is total payback and how fast you must repay it — not a headline percentage. WithFunded guidance.

Frequently asked questions

How fast can I get working capital?: Often within 24 to 48 hours of approval, which is frequently same-day. It is the fastest mainstream small-business funding option.
Why is working capital more expensive than a term loan?: Speed and easier qualification carry a higher cost of capital. If you have more time, a line of credit or term loan is usually cheaper.
What is a factor rate?: A multiplier on the amount advanced. A $50,000 advance at a 1.25 factor means $62,500 total payback, regardless of schedule. It is not an APR, so compare offers by total payback, not by a percentage.
Can I get working capital with average credit?: Often yes — working capital products tend to weigh recent revenue and cash flow more heavily than credit score, which is part of why they cost more.

See what your business qualifies for

Answer a few questions and get matched to your best-fit option. Zero upfront fees. Checking won't impact your credit.

Get matched → or open the payment calculator

Factor-rate figures are illustrative WithFunded calculations to explain the pricing structure; they are not quotes. Actual factors, fees, and remittance schedules are set by the lender.

Disclaimer. WithFunded and Big Think Capital are a financing marketplace; we are not the direct lender and do not guarantee funding, approval, rates, or terms. Everything on this page is a representative example only — not an offer or a commitment to lend, and not financial advice. Actual rates, fees, payments, and terms are set by the funding lender and depend on your business, credit, and the product. Where required by state law, the lender provides cost-of-financing disclosures before any agreement is signed.