Funding option

Working Capital

Fast, unsecured cash for day-to-day operations. Cover payroll, inventory and seasonal gaps with fast, unsecured short-term funding.

Written and reviewed by the BFG Funds Editorial Team · Updated October 15, 2026

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Funding amount: $30K – $750K
Speed to funding: 24–48 hours
Typical term: 3–18 months
Typical cost: Usually priced with a factor rate (commonly about 1.10–1.45) or a short-term rate; daily or weekly payments

Overview

Is working capital the right fit?

Short-term unsecured funding designed for speed. No collateral pledge, minimal paperwork, and a fixed payback schedule that lines up with how your revenue actually arrives.

Bridging a slow month or delayed customer payment
Buying inventory ahead of a busy season
Taking on a job that needs upfront spend

Pros

Fast decisions, often same day
Minimal paperwork
No specific collateral

Cons

Costs more than long-term financing
Frequent (daily or weekly) payments
Short terms mean larger payments

How it works

From application to funded in four steps

Tell us what you need

Amount, purpose and timing — the whole form takes about two minutes.

Quick funding review

A specialist reviews your deposits and matches you with the lowest-cost programs you are likely to qualify for.

Compare offers

Offers often come back the same business day, with the total payback and payment schedule spelled out.

Funds wired

Sign electronically with the provider you choose and money can land in as little as 24 hours.

Typical time to funding for this program: 24–48 hours.

Working Capital FAQ

What can working capital be used for?

Most providers allow any legitimate business purpose: payroll, inventory, rent, marketing, repairs, or covering the gap while you wait on customer payments.

Will it affect my credit score?

Reviewing your options with BFG Funds does not affect your credit. A provider may run a credit check once you choose to move forward with an offer.

Can I pay it off early?

It depends on the provider. Some offer a discount for early payoff; others charge the full payback amount regardless. Your specialist will point this out for each offer.

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Tell us about your business

A few details are all we need to start. A funding specialist will look at what your business needs and come back with the options that fit — usually the same business day. There's no obligation.

Checking your options won't affect your credit
You talk to one specialist, not a call center
Many decisions come within 24 to 48 hours