What is working capital loans?
Working capital is the money your business uses to fund day-to-day operations. A working capital loan replenishes that cushion so you can meet obligations, take on new orders, and grow without waiting for receivables to clear.
Rather than a single product, "working capital loan" describes the purpose of the funding. HL Hunt Funding matches you with the structure that fits your profile — a short-term loan, a revenue-based advance, or a line of credit — and lets you compare total cost and payment schedule before you commit.
The majority of our working capital clients qualify with three months of bank statements showing at least $10,000 in monthly deposits, regardless of credit score.
How working capital loans works
- 1Tell us your need
Amount, purpose, revenue, and time in business. Two minutes.
- 2We match products
Our team identifies the lowest-cost structures you qualify for.
- 3Compare
Review amount, term, payment, and total cost side by side.
- 4Fund
Receive funds in 24–72 hours.
Best for
- Payroll and operating expenses
- Inventory ahead of busy season
- Bridging slow-paying customers
- Tax payments
Pros and cons
Advantages
- Flexible use of funds
- Fast turnaround
- Options for every credit profile
- Short terms mean you are debt-free quickly
Considerations
- Short-term products carry higher costs
- Frequent payments on some structures
Requirements to qualify
- 3+ months in business
- $10,000+ monthly revenue
- Business bank account
Requirements vary by funder. The fastest way to know exactly where you stand is to pre-qualify in two minutes — it is free and there is no credit inquiry.