Flexible use of funds
Cover payroll, rent, inventory, marketing, or seasonal gaps—no strict use limits.
Check your options in ~60 seconds
No hard credit pull to view matches.
Why a Working Capital Loan?
Keep operations moving with flexible funds designed for everyday needs.
Fast funding
Many businesses receive approval and funding within 24 hours once docs are complete.
Personal Info Secure
No Endless calls, just lenders who can get you working capital quick.
Scales with you
From $10k to $5M—choose an amount that matches your growth stage.
Eligibility & Documents
Basic qualifiers and the simple paperwork lenders typically ask for. Checking options won’t affect your credit.
Minimum qualifications
- 4+ months in business
- $10,000+ in monthly gross revenue
- No minimum FICO requiredSome offers may vary
What you’ll need
- Signed application
- Last 4 months of business bank statements
- Government-issued IDDriver’s license or passport
Common disqualifiers
- Active bankruptcy
- Open unresolved fraud flags
- Sanctioned industriesCase-by-case; ask us if unsure
Not sure if you qualify?
If your revenue or time in business is close but not exact, still try the quick check—many partners can review compensating factors.
Rates, Terms & Example Payment
Every offer is unique. Here’s what businesses commonly see—and an estimator to preview a likely payment.
Rates from
9.99% APR
Typical terms
3–24 months (some partners up to 10 years)
Amounts available
$10,000 – $5,000,000
Estimate your monthly payment
Amount
$50,000
Term (months)
12 mo
APR (example)
12.00% APR
Estimated monthly payment
$4,442
This is an estimate. Actual payment depends on your offer, fees, and repayment schedule.
Frequently Asked Questions
Quick answers to common questions about checking options, funding speed, and repayments.
No. Viewing matches does not impact your credit. Some partners may perform a hard pull only if you choose to proceed with a specific offer.
Ready to unlock funding for your business?
Check your options in 60 seconds — with no impact to your credit.
Onverge partners with vetted lenders to match real options fast.
Onverge is not a lender. We may receive compensation from partner lenders. Rates and terms vary by lender and applicant profile.