Cash for everyday operations
Funding can help pay for inventory, payroll, supplier bills, repairs, or marketing. It gives the business money to operate while it waits for sales or customer payments.
Working Capital
Working capital financing.
Keep your business moving.
Cover payroll, inventory, and everyday business costs. Explore working capital options, repayment schedules, and what lenders review before you apply.
Funding range$25K–$2M
Financing term3–24 months
Funding typeFlexible capital
Typical funding time1–3 days
RepaymentDaily / weekly
PRODUCT OVERVIEW
Working capital financing,
explained.
Working capital financing gives your business money to cover day-to-day costs when expenses arrive before customer payments do. It helps bridge a cash-flow gap or support a busier period.
Payroll, supplier bills and inventory purchases do not always line up with when you get paid. Funding can help cover that timing difference while you keep serving customers and taking on new work.
Working capital describes what the money is for, rather than one specific financial product. It may come through a loan, a revolving credit line or a Capital Advance. A loan creates a debt to repay; a Capital Advance is generally structured as a purchase of future receivables. Each works differently.
The right structure depends on how long the cash gap lasts and how your business brings in money. Compare the total cost, payment frequency and effect on your available cash. Regular repayments can be difficult to support if the funding does not address the reason cash is running short.
Westwind helps you compare working capital options and understand which payment structure fits your business’s cash cycle.
Different ways to access funds
A loan provides a set amount upfront; a credit line lets you draw as needed. A capital advance is typically structured around the purchase of future receivables.
A term that fits the cash cycle
This funding generally covers near-term needs. The repayment period should fit how long it takes the funded activity, such as selling inventory, to bring cash into the business.
Payments from business cash flow
Payments may be daily, weekly, monthly, or linked to sales, depending on the structure. The total payback, fees, payment frequency, and any adjustment rights are set in the agreement.
BEFORE YOU APPLY
What you’ll need to get started.
Know what lenders look for and what to have ready. Your advisor helps with the rest.
What lenders look at
Trading history
Your time in business and operating track record.
Revenue consistency
Monthly sales, seasonality, and the reliability of money coming in.
Credit profile
Business or owner credit and repayment history.
Bank account activity
Recent deposits, balances, and day-to-day cash flow.
Existing commitments
Current financing and the payments your business already carries.
What to have ready
To start
- Funding amount, purpose & timeline
- Business details & revenue
- Existing financing & credit range
- Your contact details
For lender review
- Recent business bank statements
- Current sales records or profit-and-loss statement
- A list of existing financing and payments
- Processing statements, if card sales are part of the review
IS THIS RIGHT FOR YOU?
Bridge a cash-flow gap. Keep the business running.
Start with the purpose, the payback period, and the payment your business can support. Use these signals to decide what to discuss with your advisor.
A stronger fit
- Sales are steady, but the money arrives too late
- The money will pay for itself soon
- You need it fast, and you'll pay more for that
A reason to pause
- What you're buying takes years to pay off
- Daily or weekly payments would squeeze you
- You could qualify for something cheaper and longer
The advantages
- Fast decisions with lighter documentation
- Useful for time-sensitive, measurable opportunities
- Often available when a bank process is too slow
- No equity dilution
The trade-offs
- Daily or weekly payments can compress liquidity
- Cost is usually higher than bank financing
- Short terms are a poor match for long-payback projects
- Refinancing repeatedly can create a damaging payment stack
HOW FUNDING WORKS
From application
to funding,
step by step.
Tell us about your business once. We prepare your file, find relevant lenders, coordinate the review, and help you compare your offers.
01 profile05 steps1:1 your own advisor
01
START HERE
Tell us what you need
Fill out one form with the amount, what the money is for, and the basics of your business.
RESULTOne complete business profile
- How much you need and what you will use it for
- Sales, industry, time in business, and what you already owe
02
ADVISOR REVIEW
Go through it with your advisor
Your advisor checks the request with you, gets clear on what matters, and helps gather the documents lenders will ask for.
RESULTA file ready for lender review
- Confirm timing, payment comfort, and business goals
- Collect the statements and supporting documents needed
03
MATCH & ROUTE
We find the lenders that fit
We compare your profile with different types of funding and the requirements of participating lenders.
RESULTA focused lender submission
- Narrow the list to lenders whose rules may fit
- Send the complete file only to selected lenders
04
UNDERWRITING
Lenders review the file
Each lender makes its own decision. We handle questions, document requests, and follow-up so you do not have to chase every party.
RESULTOffers you can compare side by side
- Resolve questions and missing items in one place
- Lay out available prices, terms, payments, and conditions
05
DECIDE & CLOSE
Compare, choose, and get funded
Your advisor explains the cost and tradeoffs, then helps you finish the lender's final conditions and closing documents.
RESULTThe option you choose, taken through funding
- Compare total cost, payment, term, collateral, and flexibility
- Complete final lender conditions and closing documents
How fast you get funded, what you're offered, and whether you're approved at all depend on your business, your paperwork, and the lender. Nothing here is a guarantee of an offer or approval.
RUN THE NUMBERS
Your next move.
By the numbers.
Considering a capital advance for working capital? Adjust the amount, factor rate, and payment schedule to see the full cost.
Weekly payment26 payments over 26 weeks
Financing costFixed financing cost + lender fees
Total paidRemittances + any fee paid separately
- Factor rate
- 1.25×
- Scheduled duration
- 26 weeks
Remaining remittance
Explore how your financing changes over time.
Payments since funding · Balances shown every 3 payments and at the end of the projection.
Where your money goes
Total in USD- Capital received
- $100,000.00
- Fixed financing cost
- $25,000.00
- Lender fee
- $0.00
Contract remittance: $125,000.00. One payment each week. A factor rate is not an interest rate or APR.
Repayment schedule
Payment numbers, not calendar dates. The final payment adjusts for cents rounding. Any fee paid separately at funding is excluded.
| Payment | Payment | Balance |
|---|---|---|
| 1 | $4,807.69 | $120,192.31 |
| 2 | $4,807.69 | $115,384.62 |
| 3 | $4,807.69 | $110,576.93 |
| 4 | $4,807.69 | $105,769.24 |
| 5 | $4,807.69 | $100,961.55 |
| 6 | $4,807.69 | $96,153.86 |
| 7 | $4,807.69 | $91,346.17 |
| 8 | $4,807.69 | $86,538.48 |
| 9 | $4,807.69 | $81,730.79 |
| 10 | $4,807.69 | $76,923.10 |
| 11 | $4,807.69 | $72,115.41 |
| 12 | $4,807.69 | $67,307.72 |
| Full projection | $125,000.00 | $0.00 |
Payment 1–12 of 26
Models fixed scheduled remittances. Total remittance = advance × factor rate. A factor rate is not an interest rate or APR. No early-payoff discount, reconciliation, holiday shift or missed payment is modeled. For payments that change with sales, use the RBF calculator. Input ranges are for planning, not eligibility.
LOOK AT THESE TOO
Other options worth comparing.
Don't pick on the rate alone, and don't pick on the biggest number you're approved for. Compare the whole deal.
QUICK ANSWERS
Questions people ask about working capital.
Is working capital the same as a term loan?
Not always. Working-capital products are generally shorter, faster, and underwritten around recent cash flow; a conventional term loan usually requires more documentation and offers a longer repayment runway.
Can I use it for any business expense?
Use-of-funds rules vary, but providers commonly allow inventory, payroll, repairs, marketing, and other operating expenses. Long-lived assets are usually better matched with longer-term financing.
What decides whether I get approved?
Lenders mostly look at your recent sales, your cash flow, your bank account, and how steady the business is. Each one has its own rules about credit, paperwork, and what it takes to say yes.
How fast can I get the money?
Plan on 1–3 days. It can take longer if the deal is complicated, your paperwork is slow, an outside report is needed, or the lender asks for more.
What should I compare between offers?
Ten things: the total dollars you pay back, the true yearly cost, how often you pay, how long it runs, what you put up as collateral, what you personally guarantee, the rules you agree to follow (covenants), what happens if you pay it off early, the fees, and whether the money earns more than it costs.
YOUR NEXT MOVE
See whether working capital fits your business.
One application. Every option that fits. A clear path to the money.
Get funded