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 loans, 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.
Most 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.
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.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.