Funding Solutions
Keep Your Business Running at Full Speed
Working capital is the oxygen of your business. Whether you need to cover payroll, stock up on inventory, or bridge a seasonal gap, we deliver fast, flexible capital so you never miss a beat.
Check Your EligibilityOverview
Working Capital Funding
Working capital funding is the most versatile form of business financing — it provides general-purpose cash that you can deploy wherever your business needs it most. Unlike equipment loans or real estate financing that are tied to specific assets, working capital gives you the freedom to cover payroll, pay vendors early to capture discounts, invest in marketing, or simply maintain a healthy cash buffer while you wait for receivables to come in.
At Granton Hale Capital, we've funded over $3.9 billion across 66,000+ businesses, and working capital is consistently our most requested product. The reason is simple: most businesses don't need a complex financial instrument — they need cash, fast, with terms that make sense. We evaluate your revenue trends, bank deposits, and business trajectory rather than fixating on personal credit scores. That means businesses with imperfect credit, seasonal revenue patterns, or short operating histories can still qualify.
Our average decision time is 6 hours, with many approvals coming in under 3. Funds typically land in your account within 24 to 48 hours. Repayment is structured around your actual cash flow — daily, weekly, or monthly — so the capital works with your business cycle, not against it.
Ideal For
Amount
$25K–$2M
Term
3–18 Months
- Businesses bridging cash-flow gaps between receivables and payables
- Companies preparing for seasonal demand spikes
- Operators covering payroll during slower periods
- Businesses investing in marketing or growth initiatives
- Companies that need fast capital without a lengthy bank process
- Any business that wants flexible, general-purpose funding
Why Choose This Product
Key Benefits
No Restrictions on Use
Deploy capital wherever your business needs it — payroll, inventory, marketing, repairs, rent, or opportunity investments. No lender approval required for how you spend it.
Decisions in Hours, Not Weeks
Our average decision time is 6 hours. Many working capital applications are approved in under 3 hours, with funds deposited within 24–48 hours of signing.
Revenue-Based Qualification
We underwrite based on your monthly revenue and bank deposits, not just your credit score. Businesses with 600+ credit and $15K+ monthly revenue regularly qualify.
Flexible Repayment Schedules
Choose daily, weekly, or monthly repayment. Payments are structured around your cash-flow cycle so capital enhances your operations rather than straining them.
The Challenge
Problems This Solves
Cash-Flow Timing Mismatches
Your expenses hit on predictable schedules — payroll every two weeks, rent on the first, vendor invoices on net-30 terms. But your revenue doesn't always cooperate. A large client pays late, a seasonal dip arrives, or a big project ties up cash for weeks. Working capital bridges these timing gaps so you never scramble to cover obligations.
Missed Growth Opportunities
A vendor offers a 10% discount for bulk ordering. A competitor closes and their customers are up for grabs. A prime retail location opens up. These opportunities have expiration dates — waiting 6 weeks for a bank to review your application means watching them pass by.
Slow Bank Lending Processes
Traditional banks require extensive documentation, personal guarantees, collateral, and 4–8 weeks of underwriting. For a business that needs $100K to cover next week's payroll or next month's inventory order, that timeline is a non-starter.
Seasonal Revenue Volatility
Landscapers, retailers, tourism operators, and construction companies all face months where revenue drops while fixed costs remain. Working capital provides a cushion so you can retain staff, maintain equipment, and be ready when demand returns.
Use Cases
How Businesses Use This Funding
Payroll Bridge During Slow Season
A landscaping company with 12 employees needs $85K to cover payroll and vehicle costs during a slow winter quarter while maintaining the team for spring contracts already signed.
Inventory Pre-Purchase for Peak Season
An e-commerce brand needs $200K to place inventory orders with Chinese manufacturers 90 days before their holiday sales peak, when 60% of annual revenue is generated.
Marketing Investment for Product Launch
A DTC skincare brand is launching a new product line and needs $150K for influencer partnerships, paid social campaigns, and sampling programs to drive first-month sales.
Emergency Cash Reserve
A restaurant group with three locations faces an unexpected HVAC failure at their flagship store. They need $50K immediately to replace the system before a weekend of reservations.
Vendor Discount Capture
A wholesale distributor can save $40K by paying a supplier upfront rather than on net-60 terms. They draw $250K in working capital, pay the supplier, and net $40K in savings against $18K in financing costs.
FAQ
Frequently Asked Questions
What can I use working capital funding for?
Anything your business needs. Unlike SBA loans or equipment financing that restrict usage, working capital is completely flexible. Common uses include payroll, inventory, rent, marketing, repairs, hiring, and capturing time-sensitive business opportunities. There is no lender approval needed for how you deploy the funds.
How quickly can I get funded?
Most working capital applications receive a decision within 6 hours of submitting a complete application with 3 months of bank statements. Once approved and signed, funds are typically deposited within 24 to 48 business hours. For urgent needs, we can sometimes expedite to same-day funding.
Will applying affect my credit score?
No. We perform a soft credit check during the initial eligibility review, which does not affect your credit score. A hard pull only occurs if you choose to accept an offer and proceed to final underwriting, and we always notify you before that step.
Can I get working capital if I have less-than-perfect credit?
Yes. We evaluate the whole picture — your monthly revenue, bank deposits, time in business, and business trajectory. Many of our working capital clients have credit scores between 550 and 650. Strong revenue and consistent deposits can offset credit challenges.
How is repayment structured?
You choose the schedule that fits your cash flow: daily ACH debits (most common for businesses with daily sales), weekly payments, or monthly payments. The repayment amount is fixed and predictable so you can budget accurately. Some programs also offer revenue-based repayment where the amount adjusts with your sales volume.
Can I renew or get additional working capital later?
Absolutely. Many of our clients are repeat borrowers. After you've repaid 50–60% of your existing balance with a clean payment history, you can apply for a renewal — often at improved terms. Building a track record with us typically unlocks higher amounts and better rates.
Ready to Get Funded?
30-second application. No hard credit pull. Decisions in as little as 3 hours.