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Working Capital · Direct from Inflection Financing

Working Capital

Revolving and short-term capital for inventory, payroll, and operational rhythm.

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$2,000,000
Amount
Revolving or 6 – 24 months
Term
10%
Rate
Same day to 3 business days
Funding
What is it
Working capital exists to smooth the gap between when a business spends and when it collects. Inflection Financing working capital facilities are designed for operators who can convert capital into receivables faster than they can finance it from cash flow — restaurants restocking ahead of weekend rushes, e-commerce sellers building inventory ahead of Q4, contractors carrying labor on a 30-day cycle.

Inflection Financing working capital lines range from $25,000 to $2,000,000, with both revolving and 6-to-24-month installment structures. Pricing ranges from 10% to 18% depending on credit, time-in-business, and the cycle being financed. Because these facilities are sized to short cash conversion cycles, decisions are issued the same day in most cases and funding typically lands within 1 to 3 business days.

Best For
  • →Seasonal inventory cycles
  • →Payroll and recurring operational expense
  • →Receivables financing while invoices are outstanding
  • →Short-term marketing capital deployment
Common Uses
  • →Inventory restocking before peak season
  • →Payroll bridging during slow weeks
  • →Vendor early-payment discounts
  • →Tax or insurance premium payments
  • →Short-cycle marketing campaigns
Eligibility
  • →$15K+ monthly revenue
  • →6+ months operating history
  • →Personal credit 600+
  • →U.S. business bank account with 3+ months of statements
Why Inflection Financing
  • →Same-day decisions, often same-day funding
  • →Revolving line — draw, repay, draw again
  • →No collateral required up to $250K
  • →Bank-direct rates, no broker markup
Working Capital by Industry

Industries we finance with Working Capital.

Restaurants
$75,000 to $3,500,000
Construction Firms
$100,000 to $5,000,000
Retail Businesses
$50,000 to $2,500,000
Professional Services Firms
$100,000 to $3,000,000
Transportation Firms
$100,000 to $5,000,000
Agriculture & Agribusiness
$100,000 to $5,000,000
Technology Companies
$250,000 to $5,000,000
E-commerce Brands
$50,000 to $3,000,000

Working Capital — Frequently Asked

What's the difference between working capital and a term loan?+

Working capital is sized to short-cycle needs (60 to 180 days) and is often revolving. A term loan is sized to long-cycle projects with predictable amortization. The right product depends on whether the use of funds will be repaid quickly from operations or needs to amortize over years.

Do you offer a revolving line of credit?+

Yes. Inflection Financing working capital can be structured as a revolving line — you draw, repay, and re-draw without re-applying. Lines are reviewed annually for renewal and limit increases.

Can I qualify with under a year in business?+

We require 6 months minimum. Businesses under 12 months in operation will see tighter limits and slightly higher pricing, but qualification is possible with strong personal credit and consistent monthly revenue.

Other capital facilities
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.
Commercial Real Estate
SBA 504 and conventional financing for owner-occupied and investment CRE.

Ready for Working Capital capital?

Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.

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