Working Capital Loan: Fast, Direct Funding Built for Your Business Success in 24 Hours

    Stabilize your cash flow and keep your business moving forward. Flexible short-term funding with fast approval and revenue-based options. No hidden fees. No impact to your credit score.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    $2.5B+

    In business funding

    Deployed to SMBs nationwide

    4.9

    Customer rating

    Based on 12,000+ reviews

    95%

    Approval rate

    Among qualified applicants

    12 hrs

    Average funding time

    From application to offer

    Why GBB Loans

    Why GBB Loans Working Capital Loans Work for You

    Your daily operations shouldn't stall because of a cash flow gap. We provide the capital to keep your business thriving.

    01
    Uninterrupted operations

    Cash Flow Stability

    Keep your operations running smoothly even during slow periods. Working capital funding ensures you can meet obligations on time, every time.

    Uninterrupted operations
    02
    Funding in hours

    Same-Day Speed

    When your business needs capital now, waiting weeks isn't an option. Our streamlined process delivers funding as fast as the same business day.

    Funding in hours
    03
    Revenue-based options

    Flexible Repayment

    Choose from daily, weekly, or revenue-based repayment structures that adapt to your business cycle. No rigid schedules that strain your cash flow.

    Revenue-based options
    04
    2-minute prequalify

    Simple Application

    Skip the paperwork overload. Our 2-minute prequalification form gets you matched with the right funding option without the bank-level bureaucracy.

    2-minute prequalify
    Simple process

    Get working capital in three easy steps.

    From application to funded — straightforward, transparent, and fast.

    01
    Prequalify

    Tell us about your business.

    Complete a quick 2-minute form with basic details about your business, monthly revenue, and how much working capital you need. No documents required upfront.

    2 minto complete
    02
    Get Matched

    Review your tailored offers.

    Your dedicated funding advisor analyzes your profile and presents the working capital options best suited to your revenue pattern and operational needs.

    Same daydecision
    03
    Get Funded

    Capital in your account.

    Accept your offer, sign the agreement, and watch the funds land in your business account. Most working capital deposits arrive within 24 hours of approval.

    24 hrsavg. funding time
    No hard credit pullFree to applyNo hidden fees
    Start your application

    Your Options

    Working capital solutions tailored to your needs.

    Every business has different operational demands. Explore the funding product that fits your revenue cycle and cash flow pattern.

    Fast Funding

    Short-Term Loans

    Bridge cash flow gaps with fixed-term capital designed for immediate operational needs. Predictable payments, fast approval.

    What's included

    • $5K–$250K loan amounts
    • 3–18 month terms
    • Funding in 24 hrs
    • Weekly or daily repayment
    Get started
    Revenue-Based

    Merchant Cash Advance

    Repay as a percentage of daily sales — when revenue dips, so do your payments. Ideal for businesses with variable income.

    What's included

    • $10K–$500K advances
    • Factor rates from 1.1x
    • Same-day funding available
    • Automatic repayment
    Get started
    Revolving Credit

    Business Line of Credit

    Maintain a safety net for your operations. Draw funds when you need them and only pay interest on what you use.

    What's included

    • $10K–$250K credit limits
    • Draw as needed
    • Only pay on what you use
    • Builds business credit
    Get started
    No credit score impactDecisions in minutesFunds as fast as 24 hrs

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free
    Real results

    Working capital that kept businesses moving.

    Hear from business owners who stabilized their cash flow with GBB Loans funding.

    "We had a slow quarter and needed to cover payroll for 30 employees. GBB Loans got us $60,000 in working capital overnight. Our team never missed a paycheck."

    Funded $60,000
    R
    Rachel M.Owner, Greenleaf Landscaping

    "Seasonal inventory orders were due and cash was tight. The merchant cash advance through GBB Loans let me stock up before peak season without draining my reserves."

    Funded $95,000
    T
    Terrence W.Founder, UrbanThread Apparel

    "I needed bridge funding between two large contracts. The line of credit gave me exactly the flexibility I was looking for — draw what I need, pay it back, repeat."

    Funded $120,000
    A
    Alicia F.Director, Summit Event Group
    Common questions

    Working capital loans: FAQ.

    Answers to the most common questions about working capital financing.

    Start Your Application

    Ready to Stabilize Your Cash Flow?

    Your business deserves capital that moves as fast as you do. Prequalify in under 2 minutes — no fees, no obligation, no impact to your credit score.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.