Fast working capital is the most flexible business funding tool — unrestricted cash you can deploy for any operational need: payroll, inventory, marketing, equipment, expansion deposits, debt refinancing, vendor payments. Direct Fast Funding deploys working capital within 4-24 hours of approval.
Funding amounts $25,000 to $5,000,000 for operating US businesses generating $10K+/month in revenue. Repayment structured as small daily or weekly automatic ACH withdrawals over 6-18 months.
What Working Capital Funds
Unlike equipment financing (tied to specific purchases) or invoice factoring (tied to receivables), working capital is unrestricted:
- Payroll — Bridge slow weeks, fund expansion hires
- Inventory — Stock up before peak seasons
- Marketing — Time-sensitive ad campaigns, growth initiatives
- Equipment repairs — Unexpected costs that can't wait
- Vendor payments — Settle early for discounts
- Expansion deposits — Lease deposits, build-out costs
- Debt refinancing — Pay off higher-interest existing debt
- Project funding — Construction, contracts, opportunities
Fast Working Capital Qualification
- Operating US business — minimum 6 months
- Monthly revenue $10,000+ ($25K+ for higher amounts)
- Credit score 500+ accepted
- Active business bank account
- No recent bankruptcies
How Much You Can Qualify For
- $10K-$25K monthly revenue — qualifies for $25K-$50K
- $25K-$50K monthly revenue — qualifies for $50K-$125K
- $50K-$100K monthly revenue — qualifies for $125K-$250K
- $100K-$250K monthly revenue — qualifies for $250K-$500K
- $250K+ monthly revenue — qualifies for $500K-$1M+
Fast Working Capital Cost
competitive factor rates (effective competitive APR depending on payoff speed). Higher than bank rates but funds in 1 day instead of 90. Total cost is fixed and disclosed upfront — no surprises, no hidden fees, no late penalties.
