Get $50,000 to $3 million in working capital — structured around your cash flow and vision.
Flexible funding for established U.S. businesses, built around how your revenue actually moves. Two quick questions show us what’s possible.
- Rates from WSJ Prime + 2.75%
- We look beyond your FICO
- Fund any industry — no SIC limits
- Decisions as fast as 24–48 hours
See your funding options
Two quick questions, then where to send your options. About 2 minutes.
No obligation. Your details go straight to our funding team — funding businesses since 2015, with over $500 million in active programs.
We get what you’re actually solving for.
You’re not shopping for a loan — you’re solving a problem. Payroll lands Friday. There’s an inventory buy you can’t pass up. A big customer pays 60 days slow. Or the bank capped your line right when you needed room to grow.
That’s the business we’re in. Capital Source structures working capital around your cash cycle — financing delivered through our Stretch Finance program — so the money fits the business, not the other way around. And you have more options than your bank lets on: the share of small-business financing applications going to online and fintech lenders rose from 17% in 2020 to 29% in 2025.1
Why owners choose Capital Source
Structured around your cash flow
We design financing around how your revenue actually moves — seasonality, receivables, growth — not a one-size template.
We look beyond your FICO
Your personal credit score isn’t the deciding factor. We weigh how your business actually performs.
Real capital, ready to deploy
Over $500 million in active funding programs, with decisions as fast as 24–48 hours once we have what we need.
Businesses we’ve worked with
What working capital can fund
- Inventory & raw materialsStock up for demand or a big order
- Payroll & operating costsSmooth out the gaps
- Supplier depositsLock in terms and pricing
- Marketing & growthFund the next stage
- Equipment & work-in-processBuild and deliver
- Bridging slow receivablesStop waiting 30–60 days to get paid
How it works
Tell us what you need
Answer two quick questions — how much you need and your monthly revenue — and where to send your options. About two minutes.
Talk options with a specialist
A Capital Source funding specialist reviews your profile and structures options around your cash flow — often within 24–48 hours.
Put the capital to work
If approved, once your agreement is signed your funds are made available so you can act on the opportunity in front of you.
Rates from WSJ Prime + 2.75%.
WSJ Prime + 2.75% for qualified businesses
Your structure and rate depend on your business profile, time in business, and revenue — and you’ll understand the terms before you commit. (The WSJ Prime Rate was 6.75% as of June 2026.2)
Built for operators since 2015
- In business since 2015, with thousands of deals underwritten.
- When timing matters, we move quickly — decisions as fast as 24–48 hours.
- We fund across industries, with no SIC-code restrictions.
- Competitive terms, structured around your business — not a template.
- Minimal documentation to get started.
Common questions
Will this affect my personal credit?
Your personal FICO score isn’t the deciding factor. We look at how your business actually performs — revenue, deposits, and cash flow — to structure your options. In connection with underwriting, and upon execution of our Business Capital Application, Capital Source reserves the right to obtain credit reports and conduct related credit inquiries; any such inquiries are performed as soft credit inquiries, which, unlike hard credit inquiries, do not impact your credit score.
How much can I get?
Programs run from $50,000 to $3 million, sized to your revenue and structured around your cash flow.
What are your rates?
Rates start at WSJ Prime + 2.75% for qualified businesses. Your exact structure depends on your business profile, time in business, and revenue.
How fast is it?
Many businesses get a decision as fast as 24–48 hours once we have what we need. The first step — the form above — takes about two minutes.
What do I need to apply?
Start with the short form. To finalize, we typically review a few months of recent business bank statements. Minimal documentation overall.
My bank declined me — can you still help?
Often, yes. Banks decline healthy operating businesses for reasons that don’t reflect how the business actually runs. We look beyond the credit score at the whole picture.
See your funding options.
Tell us where your business is headed and we’ll structure capital around it. It takes about two minutes — no obligation.
Rates referenced start at the WSJ Prime Rate plus 2.75% for qualified businesses and vary by profile. Prefer the full application? Apply online here.
Sources: 1. Federal Reserve Banks, 2026 Report on Employer Firms (Small Business Credit Survey). 2. JPMorgan Chase, Historical Prime Rate (WSJ Prime 6.75%, effective Dec 2025).