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 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 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 weekly or daily 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 — 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 $10K 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 $10K 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 ($10K–$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.