Working capital lenders
Online lenders and banks lend it. They look at deposits, revenue consistency and time in business. 778 lenders offer working capital loans across the US and Canada, usually from $5k to $2M. Last checked Nov 1, 2026.
- lenders
- 778
- loan officers
- 62
- verified
- 15
- places
- 61
Who lends it and what they look for
Online lenders, fintech platforms and banks make working capital loans to cover payroll, inventory and the gap before customers pay. Online lenders decide from your bank data in a day or two and accept younger businesses; banks take longer and price lower once you have two years of returns. Every lender reads the same signals: steady monthly deposits, few overdrafts, consistent revenue and how many months you have been operating. Bring three to six months of bank statements to the first call.
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Who offers working capital loans?
Online lenders and fintech platforms for speed, banks and credit unions for price once you have two years of returns and steady profit.
What do working capital lenders look for?
Consistent monthly deposits, few overdrafts or negative days, revenue that covers the payment comfortably and enough months in business to show a pattern.
How does a lender get on the register?
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
How many working capital lenders are on the register?
778 today, with 62 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.