Working Capital
Working Capital for Established Businesses
Access flexible working capital to help manage cash flow, cover payroll, purchase inventory, handle vendor payments, launch marketing campaigns, or support business growth.
- check_circleHuman-first, non-automated financing approach
- check_circleFunding from $10,000 up to $5 million
- check_circlePotential approval and funding within 24 hours for eligible businesses
See How Much You Qualify For
Checking options takes about 2 minutes.
"*" indicates required fields
Why Choose BizPoint Capital
We understand that established businesses need reliable, efficient access to capital without the typical roadblocks.
Fast Decisions
Move quickly when business opportunities or cash flow needs cannot wait.
Human-First Approach
Work with advisors who review your business goals, not only automated scores.
Flexible Repayment Options
Funding structures can be reviewed around your business revenue and cash flow.
Simple Documentation Process
Recent business bank statements may be requested to continue the review process.
How Businesses Use Working Capital
Deploy funds where your business needs them most.
Eligibility
Clear, Simple Eligibility
We evaluate the overall health of your business, not just a credit score. If your business is generating consistent revenue, you may be a strong candidate.
- check_circle
$150,000+ Annual Revenue
Best fit for businesses generating consistent gross revenue.
- check_circle
Business Checking Account
A dedicated business bank account is needed for review.
- check_circle
Ideally 9+ Months in Business
Designed for operating businesses, not startups or consumer requests.
- check_circle
Minimum FICO Score 550
Credit is considered, but revenue and business health also matter.
Why BizPoint Over Traditional Banks
We prioritize speed, transparency, and a human-centric approach over rigid traditional lending models.
| Feature | BizPoint Capital | Traditional Banks |
|---|---|---|
| Time to Funding | Potentially as fast as 24 hours for eligible businesses | Weeks to months |
| Application Process | Fast, online, human-reviewed | Lengthy paperwork and rigid metrics |
| Review Focus | Business revenue, cash flow, and overall profile | Heavily credit and collateral driven |
| Documentation | Recent bank statements and core business details | Tax returns, business plans, P&L, balance sheets |
Human-first financing
A Human-First Approach to Financing
We do not let algorithms dictate the future of your established business. Our advisors take the time to understand your operations, cash flow cycles, and growth goals.
From your first question to your final decision, BizPoint Capital keeps the process clear, direct, and business-focused.
Speak With an AdvisorGet Funded in 3 Simple Steps
A simple, advisor-supported process designed to help you review funding options without taking you away from running your business.
Apply Online
Submit basic business details through the secure form.
Review Options
A funding advisor reviews your revenue, time in business, and funding goals.
Move Forward
If eligible, select the option that best fits your business and next step.
Frequently Asked Questions
What can I use working capital for?
Working capital can support payroll, inventory, vendor payments, marketing, expansion, equipment, business debt consolidation, or other business-purpose needs.
Does BizPoint Capital provide working capital for startups?
BizPoint Capital is built for established operating businesses. The best fit is generally a business with consistent revenue and ideally 9+ months in operation.
How quickly can eligible businesses access funding?
Approval and funding may be available within 24 hours for eligible businesses, subject to application, underwriting, documentation, and legal requirements.
What does BizPoint Capital look for during review?
BizPoint reviews business revenue, time in business, bank activity, credit/risk profile, program guidelines, and other underwriting factors.
Is this for business use only?
Yes. BizPoint Capital offers business-purpose financing only, not personal, family, household, consumer, student, or startup funding.
Ready to Fuel Your Business Growth?
Apply today to review working capital options for your established business. No obligation to move forward.
Get Working Capital Options