Working Capital
Fast capital to fuel your business growth
$25K – $2MFunding Range
As fast as 6 hrsSpeed
Fast capital to fuel your business growth
Working capital funding gives your business immediate access to cash based on your monthly revenue. Whether you need to cover payroll during a slow season, stock up on inventory ahead of a busy period, or invest in a marketing push, working capital keeps your operations running without interruption. Unlike traditional bank financing, approval is based primarily on your business revenue rather than personal credit alone, which means faster decisions and more accessible funding for growing companies.
Qualification is based on your monthly revenue, not just your credit score. Businesses doing $15K+/month can qualify.
Once approved, funds can be deposited into your account the same day or next business day.
No restrictions on how you use the capital. Payroll, inventory, marketing, equipment — it’s your business.
Bridge cash flow gaps, Stock up on inventory, Fund a marketing campaign, Cover payroll during slow seasons, and Take on a large order.
Don’t meet every requirement? Apply anyway — we evaluate the full picture.
Fill out a simple application and connect your business bank account for instant revenue verification.
Bay Street compares offers from 50+ lenders and presents you with the best 2–3 options for your situation.
Choose your offer, sign digitally, and receive funds deposited directly into your business account.
Revenue-based working capital is not priced in APR, because it is not a loan — it is the purchase of a fixed amount of your future receivables. You receive a lump sum and repay a set total through fixed weekly or daily debits. The total is agreed upfront and does not change, so there is no interest accruing and no penalty for the term running long.
What actually moves your pricing is not your credit score. It is the strength of your bank statements and whether you already have other advances outstanding:
Beyond the headline cost, two terms decide what the money actually feels like. Origination fees are modest in first position and climb materially on second and third. And payment frequency — weekly ACH is standard on stronger files, while daily debits are common on shorter paper and put far more pressure on your operating account. A slightly cheaper offer on a daily debit can be the harder one to carry.
We do not publish a pricing grid, because a rate quoted before anyone has read four months of your bank statements is a guess. One soft-pull application goes to 50+ funding partners and the offers come back with the real numbers side by side — cost, term, frequency, and fees — so you are comparing complete structures rather than headline rates.
The working rule across nearly every funder is roughly one month of average revenue for a first-position advance. A business depositing $80,000 a month typically sees offers in the $60,000–$100,000 range. A business depositing $400,000 a month sees $300,000–$500,000.
What moves you within that band:
Advances above 1.5× monthly deposits are rare and usually a warning sign rather than a win — the debit load tends to outrun the business. If you need more than one month of revenue, the right structure is usually an SBA loan or a line of credit, not a larger advance.
"Position" means where a funder sits in line against your future deposits. First position is the only advance outstanding. A second-position advance sits behind an existing one — and it is priced and structured very differently.
The cost difference is the part borrowers notice; the structural difference is the part that actually decides whether the deal is survivable. Taking the same advance amount in each position:
| 1st position | 2nd position | |
|---|---|---|
| Cost | Lowest available | Materially higher |
| Term | Months | Weeks |
| Origination fee | Minimal | Substantial |
| Payment frequency | Usually weekly | Often daily |
| Daily cash-flow burden | Baseline | Roughly 2× or more |
That last row is the one that matters. Because a second position compresses a similar payback into a fraction of the term, the daily drain on your operating account can more than double for the same money in hand — and the origination fee means less of it actually lands. Two offers that look comparable on the headline can be entirely different businesses to run.
Stacking is not always wrong — a short second position to capture a large order that pays out in 60 days can be entirely rational. Stacking to cover the payments on an advance you already have is the beginning of a spiral. If that is the situation, the conversation to have is about consolidation, not another advance.
Bank-statement underwriting is what makes same-day funding possible: there are no tax returns, no business plan, and no collateral review. Four months of business bank statements carry the decision. Specifically:
The documents that make a same-day timeline realistic: last four months of business bank statements, a voided business check, business registration, and a photo ID for the owner. Having those ready before you apply is the single biggest determinant of whether "fast" funding is actually fast.
Revenue-based working capital is expensive money bought for speed. It is the right instrument for a deadline — payroll, a supplier who requires payment now, an order that has to be filled this month, equipment that failed mid-season. It is the wrong instrument for anything you could plan for.
| If your constraint is… | Better structure |
|---|---|
| Lowest cost, and you can wait 60–90 days | SBA 7(a) loan — Prime-based rates, 10–25 year terms |
| Recurring, unpredictable gaps | Business line of credit — draw only what you use |
| Customers owe you money on completed work | Invoice factoring — 80–95% advanced against receivables |
| Buying a specific machine or vehicle | Equipment financing — the asset is the collateral |
| You have a confirmed purchase order but no cash to fill it | Purchase order financing |
| Speed — you need capital in hours, not weeks | Revenue-based working capital |
Bay Street places all of the above. Because we are a broker rather than a single funder, there is no incentive to push you toward the fastest product when a cheaper one fits your timeline. One soft-pull application is compared across 50+ funding partners, and you see the structures side by side. For a fuller comparison of every route, see our complete working capital guide.
Cash-flow patterns differ by industry. See the dedicated playbooks for HVAC contractors, salons and spas, and landscaping companies. If an offer uses the legacy term "merchant cash advance," use our MCA structure and disclosure guide to compare it on the same basis.
Fast working capital is a revenue-based funding structure that wires capital to your business account in hours rather than weeks. Bay Street Capital 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 weekly or daily 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 Capital 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 weekly or daily debit tied to your business deposits, so it flexes with your sales. Same-day amounts typically start at $25K depending on monthly revenue; larger same-day advances are available for higher-revenue businesses.
Yes — working capital ASAP is exactly what Bay Street’s revenue-based structure is built for. Most applications are decided within hours, and approved deals can fund the same business day. For urgent needs submitted before 11am ET with complete bank statements, same-day funding is realistic, and the fastest deals on file have wired in under 6 hours from approval. Because qualification runs off bank-statement cash flow rather than tax returns or collateral, there is no underwriting delay between approval and wire — which is what makes a genuine "working capital ASAP" timeline possible when an emergency, supplier deadline, or payroll gap can’t wait.
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 fixed weekly automatic debits — a smaller share of programs use daily debits. The total payback is set upfront based on your approved amount and term, so the debit never changes mid-stream.
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 $25K to $2M, and the most useful rule of thumb is about one month of revenue: a business depositing $80K per month typically qualifies for offers in the $60K–$100K range. The final number depends on deposit consistency, industry, time in business, and any existing advance balances — so treat the 1×-monthly-revenue estimate as directional, not guaranteed. Higher-revenue businesses with 12+ months of clean banking history unlock the upper end of the range.
A working capital advance is the purchase of a fixed amount of your future receivables: Bay Street’s funding partners wire a lump sum to your business account, and you remit a small fixed weekly or daily debit until a set total payback is reached — typically over 3–18 months. There’s no APR because it isn’t debt, no collateral, and no tax returns; approval runs on 3–4 months of business bank deposits. Sizing is roughly one month of revenue, from $25K to $2M, and a clean morning application can fund the same day — the fastest working capital advances on file have wired in under 6 hours.
The best working capital option is the one that matches your binding constraint — speed, qualification, or cost. For most small businesses that need capital this week, a revenue-based working capital advance wins: approval runs on bank deposits rather than FICO or tax returns, sizing is about one month of revenue ($25K–$2M), and clean applications fund as fast as the same business day. Rather than betting on a single funder, Bay Street shops one soft-pull application across 50+ funding partners and returns the strongest offers side by side — the most reliable way to find the best working capital deal for your revenue profile.
Choose by the binding constraint. Traditional APR-based financing from a bank is cheaper but requires 680+ FICO, 2+ years in business, and weeks of underwriting. A working capital advance approves on revenue (FICO 500+ workable, 6+ months in business), funds in hours, and repays through revenue-tied debits that lighten in slow weeks — the right shape for deadlines, seasonal swings, and profiles below bank tiers. Many businesses run both over time: the advance for speed-critical gaps now, slower structures for planned spending later. One soft-pull application across 50+ funding partners shows you both sides of that trade in real offers.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.