Working Capital Loans for Small Businesses
Four working capital programs — lines of credit, merchant cash advance, SBA and bridge financing. From $25,000 to $5 million, with same-week funding for qualified applicants nationwide.
- ✓$25K–$5M funding
- ✓24–72 hour approvals
- ✓FICO 500+ considered
- ✓All 50 states
Business Lines of Credit
Revolving credit from $25K to $500K. Draw what you need, pay interest only on what you use, replenish as you repay. Requires 680+ FICO.
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Merchant Cash Advance
Advance against future receivables — funded in 24 hours, repaid as a fixed percentage of daily card sales. Built for subprime borrowers.
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SBA Loans
SBA 7(a) and 504 loans from $50K to $5M for working capital, equipment, real estate and acquisitions. Terms up to 25 years.
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Bridge Loans
Short-term financing from $25K to $2M to cover gaps between transactions — real estate closings, acquisitions, pending SBA approvals.
Learn more →Working capital • Funded in 24–72 hours
Cash in your account this week. Lines of credit, SBA, term loans, MCAs, bridge — one application covers every program.
Why business owners choose Northwood for working capital
Small business working capital is the financial fuel that keeps payroll on time, inventory on shelves and marketing live during seasonal swings. Northwood underwrites in-house and funds from our own balance sheet — so we move faster and approve a wider range of credit profiles than traditional banks.
We specialize in business cash flow financing for industries that banks often turn away: trucking, construction, restaurants, agriculture and independent retailers. Our programs are structured around your revenue, not just your FICO.
Working capital for subprime and bad-credit borrowers
A credit hiccup does not have to stall your business. Northwood approves working capital for FICO scores as low as 500 when revenue and tenure support the request — and our merchant cash advance program is built specifically for owners rebuilding credit or recovering from a chapter 13.
Frequently asked questions
- What is working capital financing?
- Working capital financing covers the day-to-day operating expenses of a business — payroll, rent, inventory, marketing — using short-term funding products like lines of credit, term loans, SBA loans, bridge loans and merchant cash advances. It is designed to smooth out cash flow gaps rather than fund long-term assets.
- Can I get working capital with bad credit?
- Yes. Northwood Capital underwrites holistically and approves working capital for credit scores down to 500 when business revenue supports the request. Merchant cash advances and revenue-based financing are our most common subprime products.
- How fast can I get funded?
- Most working capital applications receive a decision within 24–48 hours, and approved funds are typically wired in 24–72 hours after signed documents are returned.
- What's the minimum credit score?
- We have no hard minimum. Programs start at a 500 FICO for revenue-qualified businesses, with the strongest pricing reserved for 680+ credit profiles.
- Which working capital product is right for me?
- Lines of credit (680+ FICO required) are best for ongoing flexible access; merchant cash advances suit revenue-strong businesses with bruised credit; SBA loans are ideal for longer terms and larger amounts; bridge loans cover short-term gaps between transactions.
Need working capital this week?
Pre-qualify in 60 seconds. Soft pull only — no impact to your credit.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties