# Working Capital Loans | Team Red Funding > Flexible working capital for payroll, inventory, marketing, or a seasonal gap. David King helps match your business with a funding structure that fits. Canonical page: https://teamredfunding.com/working-capital-loans # Working Capital funding that fits your business Stop letting cash gaps decide what your business can do. David helps business owners explore flexible working capital options - for payroll, inventory, marketing, or anything else your business needs. Availability, amounts, and terms depend on your business and the funding partner's underwriting. [Apply Now - It's Free](https://fundedbybolt.com/apply?tk=rbI5Rs9y%2FM0V1HdJlGbxLQ%3D%3D) [Call (346) 889-3237](tel:+13468893237) No cost to apply No obligation to accept Personal specialist support ## The flexible funding that keeps your business moving A working capital loan gives your business a cash injection with few restrictions on how you spend it. You typically receive the amount upfront, then repay over a set term with predictable payments. It's a straightforward way to bridge a gap, seize an opportunity, or simply make sure payroll clears on Friday. This product is built for businesses with consistent revenue that need liquidity for a specific purpose. Retailers stocking up before peak season. Contractors who landed a new job but need to cover materials. Restaurants replacing a broken refrigeration unit. Service businesses investing in marketing to fill their pipeline. If your business makes money and needs cash, David can help you explore whether a working capital loan is the right fit - and walk you through the options available from Team Red Funding's network of partners. Flexible Amounts vary Offers depend on your revenue and the funding partner's underwriting. Set terms Predictable repayment A fixed schedule you can plan around, agreed to before you sign. Any use Spend it how you need Payroll, inventory, marketing, repairs - typically no restrictions on use. Revenue A key approval factor We look at your cash flow, not just your credit score. ## From application to funded in 4 simple steps No stacks of paperwork upfront. Here's the entire process start to finish. 01 ### Apply in a few minutes Complete a short online application - basic business info, revenue, and what you need. No tax returns, no mountains of paperwork. 02 ### Get matched David reviews your profile personally and matches you with working capital options from our network of funding partners. 03 ### Review your offer See the amount, term length, and payment schedule for any offer you're presented. No hidden fees, no fine-print surprises. Ask questions - your specialist is a real person, not a chatbot. 04 ### Get funded Sign your agreement and the money lands in your business bank account. Then go do what you needed the capital for. [Start my application](https://fundedbybolt.com/apply?tk=rbI5Rs9y%2FM0V1HdJlGbxLQ%3D%3D) ## The bank route vs. the Team Red Funding approach See why business owners explore options with David instead of relying on the bank alone. What matters Traditional bank Team Red Funding Loan amount Varies, often limited Sized to your revenue Repayment terms Often rigid, long-term Structured to fit your cash flow Paperwork Extensive documentation A short application to start Collateral required Often yes Varies by partner and offer Approval process Can take weeks A dedicated specialist guides you through it Credit flexibility Strict cutoffs Revenue-first approach Availability, amounts, rates, and terms vary by funding partner and are subject to underwriting. Your actual offer depends on your business's revenue, time in business, and the specific funding product. No obligation to accept. ## What can you use working capital for? No restrictions. No earmarks. Use it for exactly what your business needs right now. ### Payroll & Staffing Make sure every employee gets paid on time - even when a big client invoice is 30 days out. Stop letting A/R timing jeopardize your best people. ### Inventory & Supplies Buy in bulk before peak season. Lock in supplier pricing before it rises. Never turn away a customer because you ran out of stock. ### Marketing & Advertising Run the campaign you know will bring in leads. Spend on paid ads, local SEO, or a direct mail push - without waiting until you've "saved up" for it. ### Covering Slow Seasons Every business has off-months. Bridge the gap gracefully - keep the lights on, the staff employed, and your suppliers paid while you wait for the season to turn. ### Unexpected Repairs Equipment breaks at the worst time. A roof leak. A vehicle out of commission. Handle it today instead of watching revenue drain while you scramble for cash. ### Expansion & New Locations The right location opened up. A second shift is possible. Open the door before someone else does - working capital moves as fast as the opportunity. ## Do you qualify? The bar is lower than you think. Most working business owners qualify. We built our approval process around the health of your business - not arbitrary credit score cutoffs. Here's what we look for: - 6+ months in business We fund established businesses - not startups. Six months of operating history is the minimum. - Consistent monthly revenue Your revenue is a key approval factor. Stronger, more consistent revenue generally means larger offers with better terms. - Active business bank account We need to verify your cash flow and deposit funds. A business checking account (not personal) is required. - US-based business We fund businesses operating in all 50 states. Your business must be registered and operating in the United States. - No open bankruptcies If a past bankruptcy was discharged, you may still qualify. Active open bankruptcies are not eligible. - All credit levels welcome We look at revenue first. Business owners with less-than-perfect credit qualify every day through our network. ### Not sure if you qualify? The best way to find out is to apply. It takes just a few minutes, and David will give you a straight answer about your options - no guesswork. [Check my eligibility](https://fundedbybolt.com/apply?tk=rbI5Rs9y%2FM0V1HdJlGbxLQ%3D%3D) Takes just a few minutes · No cost, no obligation ## Why business owners choose Team Red Funding for working capital ### A process built for your urgency When payroll is Friday and it's Wednesday, you don't have time for banker's hours. David moves as quickly as your situation allows and keeps you informed every step of the way. ### A specialist who knows your business You're assigned one dedicated funding advisor - not a rotating call center. They learn your business, explain every option clearly, and find the best offer for your specific situation. ### Approved on revenue, not just credit Our network of private funding partners looks at the strength of your cash flow first. This means owners who've been declined by banks - including those with imperfect credit - get funded every day. ## Compare the other funding options Not sure this is the right fit? Every product below is arranged by the same team. [Short-Term Business Loans A fixed lump sum with a clear, predictable repayment schedule.](https://teamredfunding.com/short-term-loans) [Equipment Financing Buy or lease equipment while keeping working cash available.](https://teamredfunding.com/equipment-financing) [Business Line of Credit Revolving credit. Draw what you need, pay for what you use.](https://teamredfunding.com/business-line-of-credit) ## Working Capital Loan FAQs What is a working capital loan and how does it work? A working capital loan gives your business a lump sum of largely unrestricted cash. You typically receive the amount upfront and repay it over a set term with predictable payments. Unlike a bank line of credit, funds can move faster and there are generally few restrictions on how you use the money. How fast can I get working capital funding? Timing depends on the funding partner and your business's profile. David will give you a realistic timeline for your specific situation once he reviews your application. What can I use a working capital loan for? Anything your business needs. Payroll, inventory, supplies, marketing campaigns, equipment repairs, rent, utility bills, hiring, covering a slow season - there are typically no restrictions on how you use the funds. Working capital is one of the most flexible forms of business financing. Do I need collateral for a working capital loan? Collateral requirements vary by funding partner and offer. Many working capital options weigh your business's revenue, cash flow history, and time in business heavily. David will walk you through what applies to your situation. What does my business need to qualify? Requirements vary by lender, but consistent monthly revenue and time in business are generally the starting point. Higher, more consistent revenue can unlock larger amounts and better terms. We also look at your overall cash flow health, not just a credit score - so many business owners qualify even when banks have said no. ## Your cash flow gap, addressed. See what you qualify for - free, with no obligation. Explore working capital options sized to your business. [Apply now - it's free](https://fundedbybolt.com/apply?tk=rbI5Rs9y%2FM0V1HdJlGbxLQ%3D%3D) [Call (346) 889-3237](tel:+13468893237) No obligation · No cost to apply --- Team Red Funding - David King - (346) 889-3237 - BMGP@teamredfunding.com Powered by [Launch Automation](https://launchautomation.ai/custom)