Cash flow gaps don't wait for invoices to clear. Caply connects small businesses with working capital fast — so you can cover payroll, inventory, and expenses without skipping a beat.
Get Funded Now — No Credit ImpactFast, flexible funding without the bank runaround.
Payroll is due Friday. Your biggest client pays net-30. The money is coming — just not yet.
Insurance reimbursements take 45–90 days. Your staff gets paid every two weeks regardless.
You won the job. You're floating $60K in labor before the first draw check arrives.
Load clears Tuesday. Driver pay is due Friday. Factoring takes 3 days. You need a bridge.
One slow week turned into two. Revenue is recovering but payroll doesn't pause.
Your bank says 4–6 weeks for approval. Your payroll runs in 4 days.
Cover payroll when client payments are slow or delayed.
Stock up before peak season without draining reserves.
Keep the lights on during slow months.
Fund campaigns and hiring without waiting on cash flow.
Handle unexpected equipment or facility issues fast.
Take on bigger contracts without cash flow holding you back.
One application. Multiple competing offers. You choose what fits.
Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.
Cover payroll and materials while you wait on receivables.
Draw funds when a job starts. Pay back when the client pays you.
Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.
One application. No credit impact. Funded in as little as 24 hours.
Everything you need to know before you apply.
Still have questions? Start your free application — no credit impact, decision in minutes.