Working Capital
Loans to Grow Your
Small Business

Working capital for short term and
long term projects. We’re here to help
businesses of all sizes!

Apply Now

One moment please...

No Cost,
No Obligation Quote

What are your total average monthly sales?

How much Working Capital would you like for your business?

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Unsecured Funds

No Personal Guarantee &
No Collateral Required*

Quick Funding

Get Funded Within
a few days

Simple & Easy

Past credit issues may
NOT be a problem

Fast Approvals

Within 24 hours of

United Capital Source Makes
Getting Working Capital Loans for
Your Business Fast & Easy!

Your business is booming. You need the freedom to buy new equipment quickly, employ more and better staff, and expand your entire operation. As a nationwide working capital lender, we understand your need for fast working capital loans.

Avoid potential cash flow problems and stay focused on your day-to-day business goals while United Capital Source helps put in place the right solutions for financing your working capital needs. Follow these steps in preparation of your working capital loan application.

We understand that your cash flow and accounts receivable can be unexpectedly inconsistent. We have helped thousands of businesses that experience this — from construction firms to limousine fleet operators. They’ve expanded with our fast working capital loans because of our more flexible terms and faster turnaround times than traditional banks.

United Capital Source will help you determine which working capital funding alternatives are available to suit your business, from a business line of credit to credit card factoring — even if you have less than perfect credit history.

  • Max Funding Amount$10k to $5m
  • Funding Term3 – 10 years
  • RatesStarting at 9%
  • Speed1-3 Business days
To learn more about our Working
Capital Loans call:


or email us at
[email protected]

What our clients are saying:

5 Star

Rating on TrustPilot

What Documents Will I Need to
Apply for Working Capital Loans?

  • Driver’s License
  • Voided Business Check
  • Bank Statements
  • Credit Score
  • Business Tax Returns
  • Credit Card Processing Statements
You always need working capital for small business and if you need it, you have to make sure you’re getting that working capital at the lowest rates and best terms.
Danielle Rivelli

Working Capital Loans

Meet the Team

Ready to take the next step and apply for
a Working Capital Loan?

Apply Now

Apply Now

Apply Now

One moment please...

No Cost,
No Obligation Quote

What are your total average monthly sales?

How much Working Capital would you like for your business?

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How Does a Working Capital Loan

All small businesses endure cash flow shortages from either slowpaying creditors or unexpected payments. Working capital loans for small business have the advantage of easing these cash flow burdens. One of the common myths of applying for working capital loans is the time it takes to be approved. Our team of funding specialists can process your business funding application within 24 to 48 hours of receiving the required information. There are a few initial questions our team will ask when determining your business working capital needs. To prepare for your phone call with us, gather this information ahead of time:

Time in Business: What is the date of the commencement of the business? This often differs from the incorporation date if there was an establishment or set up period. If your business has operated for less than 1 year compared to 2 or 3 years, the working capital funding amount will be different.

Bank and Credit Card Statements: Do you have 6 to 12 months of business bank statements? If your business accepts credit cards, please have at least 3 to 6 months of credit card statements available so we can reconcile the credit card statements with the bank statement deposits.

Bank Account Balances: Did you know lenders look to ensure balances remain positive each month? Where your business account statements have multiple negative months and multiple days of non-sufficient funds, this will discourage lenders from approving a working capital loan. It is very advantageous to have bank statements with positive balances over a 6 to 12 month period to ensure your funding application is approved.

FICO Score: Coupled with time in business and monthly bank averages, a FICO score will allow lenders to determine of a slightly longer program or a more conservative term is appropriate.

To get through the application quickly and efficiently, have the following information available:

  • Business location
  • 6 months of bank statements
  • 3 months of credit card statements
  • Basic voided check – be sure this check is for the main business operating account, not a personal account, payroll or other such account
  • Photo ID — if there is more than one owner of the business, supply photos for all owners
  • Business lease (or mortgage statement if the business owns the facility) – a full lease is not required, just the basic term and signature page.

Additional Working Capital Funding Application Documents: It is often required by underwriters of working capital loans to provide the following as well:

  • Business license
  • Basic site inspection — This is generally required for any loan amount $25,000 and over
  • Financials — For any loan $74,000 and over, basic year-to-date Profit & Loss, a Balance Sheet, and your most recent yearly tax return is required .

Call us today at 855.933.8638 or email us at [email protected] and put your mind at ease as we work together on the best way to finance your working capital needs.

What Exactly Is a Working Capital Loan?

There are times when small business owners want to grow but cash flow is tight enough only to run the day to day activities. That’s where a working capital loan comes in and allows you to continue to pay your day to day operating expenses while being able to invest in growth with the necessary working capital.

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How to Apply for a Working Capital
Loan with United Capital Source

Apply Online in a few minutes

Use our simple online application to submit a request for business funding. If you need any help along the way, just give us a call, chat or email.

Talk to an expert advisor on funding options
that best suit your business needs

An expert, knowledgeable account executive will walk you through all the fine details and the requirements. This is to ensure you have all the info you need.

Finalize the application and get the funds
sent to your business bank account

Once your funding has been approved & closed, we send the funds to your account so you can start using it to grow your business.

Industry Experts

We know the ins & outs
of business funding.

We’re Available

Always willing to help even
after work or on weekends.

We’re here to answer your
questions. Contact us anytime:

Ready to grow your business?
We have the right program.

Complete a simple application in a few minutes
and see how much you qualify for.

Apply Now

Apply Now

One moment please…

No Cost,
No Obligation Quote

What are your total average monthly sales?

How much Working Capital would you like for your business?

Data Privacy

One moment please…

What are your total average monthly sales?

How much Working Capital would you like for your business?

Data Privacy

*Available on certain programs.