⚡ Working Capital

Working Capital Loans
for Small Businesses

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 Impact
$10k–$2M Available Funded in 24–48 Hours No Credit Impact 50+ Lenders

Why Small Businesses Choose Caply for Working Capital

Fast, flexible funding without the bank runaround.

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Payroll gaps

Cover payroll when client payments are slow or delayed.

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Inventory restocking

Stock up before peak season without draining reserves.

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Rent & overhead

Keep the lights on during slow months.

📣

Marketing & growth

Fund campaigns and hiring without waiting on cash flow.

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Emergency repairs

Handle unexpected equipment or facility issues fast.

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Say yes to more work

Take on bigger contracts without cash flow holding you back.

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

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Equipment Financing

$25k–$2M | 2–5 days

Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.

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Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll and materials while you wait on receivables.

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Business Line of Credit

$10k–$250k | Revolving

Draw funds when a job starts. Pay back when the client pays you.

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Invoice Factoring

Up to 90% of invoice | Same day

Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"We had a slow month in January and payroll was coming up fast. Caply funded us in 48 hours — no long applications, no back and forth. Saved us from a really bad situation."

— Maria T., Restaurant Owner, Los Angeles
★★★★★

"I needed $60K to cover operating costs while waiting on a net-30 invoice. Caply had the money in my account in two days. I'll never stress about cash flow the same way again."

— Kevin R., HVAC Contractor, Dallas

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
Invoice-to-payment gaps kill cash flow
✅ Bridge financing available same day
Banks don't understand project-based revenue
✅ Lenders built for your business model
Equipment loans take weeks
✅ Funded in 2–5 days
Miss jobs waiting for capital
✅ Say yes to every opportunity

Don't Let Cash Flow Stop Your Next Big Job.

One application. No credit impact. Funded in as little as 24 hours.

Apply Now — Takes 5 Minutes Talk to a Funding Advisor

Frequently Asked Questions

Everything you need to know before you apply.

How fast can I get working capital?
Most working capital loans through Caply fund within 24–48 hours of approval. Same-day funding is available with some lenders.
What credit score do I need?
Many lenders work with scores as low as 550. We also look at monthly revenue, time in business, and cash flow.
How much can I qualify for?
Caply connects businesses with $10,000 to $500,000 — typically up to 1–1.5x your monthly revenue.
Does applying affect my credit score?
No. Caply uses a soft credit pull — zero impact. A hard pull only happens if you accept an offer.
What can I use working capital for?
Payroll, inventory, rent, marketing, equipment repairs, slow season coverage — any operational expense.
How long are the terms?
Terms typically range from 3 to 24 months depending on loan size and lender.

Still have questions? Start your free application — no credit impact, decision in minutes.