Working Capital

Fast working capital is a revenue-based funding structure that wires capital to your business account in hours rather than weeks. Bay Street Lending shops fast working capital applications across 50+ funding partners — most clean applications submitted before 11am ET fund the same business day, with the fastest deals on file wiring in under 6 hours. The structure is built on bank-statement underwriting (no tax returns, no business plan, no collateral review), which is what makes fast working capital possible at speeds traditional financing cannot match. Sizing typically runs one month of monthly revenue — a business depositing $80K/month qualifies for $60K–$100K in fast working capital — with repayment as a small fixed daily or weekly debit over 3–18 months.

Most fast working capital approvals happen within a few hours. Funds can be in your account as fast as the same business day, though next-day funding is more typical. The fastest deals on file at Bay Street Lending have wired fast working capital in under 6 hours from a clean morning application — last 4 months of business bank statements, voided check, business registration, and owner ID ready before applying is the single biggest determinant of whether a "fast working capital" application actually funds fast.

Yes. Bay Street’s revenue-based working capital is built around same-day funding for businesses that need capital today rather than next week. A complete application submitted before 11am ET — last 4 months of bank statements, voided check, business registration, and owner ID — can wire the same business day. Approval is driven by monthly revenue and bank cash flow rather than tax returns or business plans, which is what makes the speed possible. The fastest deals on file have wired in under 6 hours from approval.

Same-day funding uses bank-statement underwriting instead of full document review. A funder pulls 3–4 months of business bank statements (via Plaid or manual upload), evaluates deposit consistency and average daily balance, and issues an offer within hours. After acceptance and a brief verification call, funds wire to your business operating account — often within 4–24 hours of a clean application. Repayment is a small fixed daily or weekly debit tied to your business deposits, so it flexes with your sales. Same-day amounts typically range from $10K to $250K depending on monthly revenue; larger same-day advances are available for higher-revenue businesses.

Yes. Bay Street’s working capital is built for urgent funding. Most applications are decided within hours, and approved deals can fund the same business day. For emergencies submitted before 11am ET with complete bank statements, same-day funding is realistic. The fastest deals on file have wired funds in under 6 hours from approval.

Payroll bridges are one of the most common use cases. With your last 4 months of business bank statements ready and a clean application, funding typically arrives within 24 hours — often the same day. Bay Street works with 50+ funding partners specifically to compress the timeline from application to wire, so payroll deadlines stay covered.

Revenue-based working capital is the fastest path to business funding. There’s no collateral, no tax returns, and no business plan required — approval is based on monthly revenue and bank statement history. One application with Bay Street pre-qualifies you across 50+ funding partners, so you see the fastest available options without filling out multiple applications or triggering multiple credit pulls.

Working capital is typically repaid over 3–18 months through daily or weekly automatic debits. The amount adjusts based on your funding amount and factor rate.

The initial application involves a soft pull only, which does not affect your credit score. A hard pull may occur only after you accept a specific offer.

Working capital amounts range from $10K to $2M. Your approved amount is primarily based on your average monthly revenue, time in business, and overall business health.