Working Capital
Short-term funding for day-to-day operations and cash flow.
Working capital funding provides a lump sum to cover near-term operational needs — payroll, inventory, rent, marketing. It's typically short-term with regular payments, designed to keep the business running through a cash-flow cycle rather than to fund a long-term asset.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
ROK Working Capital
ROK partner channel
- Minimum credit
- No stated minimum FICO on this channel
- Time in business
- 4+ months
- Monthly gross sales
- $10,000+
- Financing amount
- Program-specific—request a funding review
- Term / structure
- Short-term; daily or weekly payments common
Reveal Revenue-Based Working Capital
Reveal partner channel
- Minimum credit
- Credit minimum requires confirmation — request a funding review
- Time in business
- 3+ months
- Monthly deposits
- $3,000+
- Financing amount
- Program-specific—request a funding review
- Term / structure
- 3–12 months; daily or weekly payments
- Type
- Revenue-based advance, not a conventional amortizing loan
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Payroll and staffing during growth
- Inventory restocking
- Marketing campaigns
- Covering a temporary revenue dip
When it fits
- You have a clear, near-term use for the funds
- Your revenue can support regular repayment
- You need funds quickly
How it generally works
- 1You receive a lump sum based on your recent revenue.
- 2Repayment happens on a short schedule — often daily or weekly.
- 3Funds are typically available within days of approval.
Factors funding partners may consider
- Monthly revenue and consistency
- Average bank balances
- Time in business
- Existing cash-flow obligations
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Signed application
- Three months of business bank statements (four for California)
Additional Underwriting & Closing
- Personal identification
- Voided business check
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
A service business takes working capital to hire two technicians for a busy season, repaying from the added revenue over several months. Actual amounts and terms depend on the partner and underwriting.
How it compares to related products
vs. Term Loan
Working capital is shorter-term and faster; term loans run longer and often cost less per dollar.
Learn moreFrequently asked questions
Ready to explore working capital?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.