Working Capital providers compared

Short-term funding for payroll, inventory, rent and the other costs that do not wait for a slow month to end.

28 in this directory. Each one is scored on how much it publishes about its own criteria, so you can see which ones you can actually evaluate before applying.

Of the 24 working capital records here, 3 publish a pricing basis. We do not publish a market average, because one assembled from lenders who disclose nothing would be a guess. Where this page says a figure is not disclosed, it means the lender publishes nothing we could find and cite. It is not an estimate, a category average or a zero. Filling that gap with a guess is how a business ends up applying somewhere it was never going to qualify.

Published criteria vary widely and many funders publish none at all. The lenders on this page that do publish a credit, revenue or time-in-business minimum show it in their row.

Where a funder advertises a funding speed it is shown, attributed to that funder. Treat every such claim as the fastest case with a complete file, not a commitment.

Whatever is in the part of the agreement nobody reads aloud. Before signing, find the personal guarantee, what counts as a default, whether there is a confession of judgment, and what happens if you want out early.

It depends on whether your gap is a timing problem or a margin problem. Financing a timing gap works. Financing a margin problem makes it arrive later and larger.

Normalise them into dollars and into an annualised rate, including every fee, and look at both. They frequently disagree about which offer is cheaper, and that disagreement is the useful part.

Find Me Funders is free to use. We earn a fee from some funders when a business we refer goes on to receive funding, and a funder can pay for a placement, which is always labelled. Neither changes a disclosure score, a ranking position or what a page says — scores are computed from published fields, not from commercial relationships.