Unsecured Working Capital

MCA/Term Loan

$5,000 – $1,000,000

Maximum Loan Amount


Minimum FICO


Unsecured Working Capital

MCA/Term Loan

$5,000 – $750,000

Maximum Loan Amount


Minimum FICO


How much you are looking for?


What is Unsecured Working Capital?

Often described several ways, the above terms are quite similar. This method of financing looks at monthly bank deposits (cash flow) in order to determine an amount of money the client could qualify for, typically up to 125% of the monthly revenues. The client pays back the financing through a daily or weekly fixed payment via ACH from the lender who provided it. Credit score, time in business, industry, and revenue streams are among the most important aspects in determining the qualifications of the client. Typical terms are 2-24 months, with rates as low as 18% (factor rate). These are not typical loans are use a factor rate instead of interest or APR because it is not based on a fixed term or repayment schedule, it is based on cash flow and can change.


Rate as low as

2 – 18 Months

Term Length

3 Months

Min. Time in Business

6-12 hours


Within 48 Hours

Time to Fund

Product Notes

  • Typically for clients that need funds quickly

  • Early Payoff Discount

  • Minimal Paperwork needed
  • Unsecured (No Collateral Attached)


Minimum Gross Sales (Monthly)


Payment Options

Docs Required for Submission

  • Business Application
  • Last 6 Months of Business Bank Statements