Funding your day-to-day business operations
Working Capital Loans
Working Capital Loans
Capital aimed squarely at the operating gap — payroll, rent, utilities, inventory — through the months when revenue arrives later than the bills.
- Time in business: 9 months minimum
- Annual revenue: $150,000 minimum
- Available in: 50 states nationwide
- Documents: 3 months bank statements
Working Capital Loans: is this right for me?
How does TwinFold business funding work?
Start with the one-page application so we can determine what your business is eligible for. A funding expert then walks you through the options you qualify for. If you would rather talk it through first, call us and we will start there instead.
How much can I apply for?
Financing ranges from $5,000 to $1,000,000 depending on your revenue, time in business, and the product that fits best.
How do I repay the funds?
Repayment is typically collected by daily, weekly, or biweekly ACH. Some products instead take an agreed percentage of receipts, so the amount moves with your sales.
How long does a decision take?
Approval can come in as little as 24 hours. One to three business days is typical from completed application to funds in your account.
What do you need from me to apply?
Four months of recent business bank statements. There is no hard credit pull to get an offer, and no financials or tax returns for most products.
What are the typical rates and terms?
Pricing is risk-based, so it depends on your revenue, time in business, and credit profile. Terms run up to 24 months on most products and considerably longer on SBA loans. We show total cost up front.
Secure the capital you need based on cash flow — without pledging any asset or collateral.
Use the capital for anything the business needs, from covering everyday operations to taking a growth opportunity.
When you need cash quickly, approval can come in as little as 6 hours and funding in about 48 hours.
Clients who shorten their payment cycle qualify for an early payoff incentive, so paying down early helps fund what’s next.
No Hidden Fees
Move your company forward using additional capital with no hidden fees and no hard credit pulls.
TwinFold Capital is your #1 source for securing quality funding
We will be more than happy to answer your questions
3 Easy Steps For Success
Working capital loans are designed for short-term cash flow gaps, keeping enough liquidity on hand to cover payroll, rent, utilities, and inventory even when revenue fluctuates.
With cash flow stable, day-to-day operations continue without interruption, which frees you to work on the business instead of managing this month’s shortfall.
Most businesses see demand swing through the year. Working capital covers the ramp — more production, more inventory, more staff — ahead of a peak season rather than during it.
Opportunities arrive on their own schedule. Having capital available is what lets you act on a bulk purchase discount or a new product line while it is still on the table.
No Restrictions
There are no limitations on how you use your funds. So you can focus more on your busiess, while we get you the funds.
