Online lenders and banks lend it. They look at deposits, revenue consistency and time in business. 834 lenders offer working capital loans across the US and Canada, usually from $5k to $2M. Last checked Nov 1, 2026.
Online lenders, fintech platforms and banks make working capital loans to cover payroll, inventory and the gap before customers pay. Online lenders decide from your bank data in a day or two and accept younger businesses; banks take longer and price lower once you have two years of returns. Every lender reads the same signals: steady monthly deposits, few overdrafts, consistent revenue and how many months you have been operating. Bring three to six months of bank statements to the first call.
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Online lenders and fintech platforms for speed, banks and credit unions for price once you have two years of returns and steady profit.
Consistent monthly deposits, few overdrafts or negative days, revenue that covers the payment comfortably and enough months in business to show a pattern.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
834 today, with 45 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.
