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WORKING CAPITAL

Capital When Your Business Needs It Most

From inventory to payroll to seasonal expansion — access flexible working capital financing in days, not months. Competitive rates, fast approval, fewer hoops to jump through.

Working capital financing
WHAT IS WORKING CAPITAL

The Fuel Your Business Runs On

Working capital is the lifeblood of growth — the money you need to cover day-to-day operations while waiting for customer payments, managing seasonal swings, or seizing unexpected growth opportunities. It's not for fixed assets; it's for the operational cash that keeps your business moving.

Alliance's working capital solutions are designed for the real world: no lengthy underwriting, no arbitrary caps, and no questions that seem designed to disqualify you. We evaluate your creditworthiness and cash flow, then connect you with lenders who understand your industry and actually want your business.

Common Use Cases

Inventory Buildup

Stock up for peak season without draining your cash reserves. Build inventory now, pay back from sales.

Payroll Bridging

Meet payroll obligations while waiting for customer invoices to clear or seasonal revenue to arrive.

Business Expansion

Open a new location, hire key staff, or launch a new product line without grinding growth to a halt.

Seasonal Swings

Retail, agriculture, tourism — leverage cash when you need it most, repay when seasonal revenue peaks.

Marketing Campaigns

Fund a major marketing push, event, or customer acquisition initiative. Repay from the incremental revenue it generates.

Equipment & Tools

Buy tools, software licenses, and short-term assets that fuel daily operations — not long-term capital leases.

Types of Working Capital Financing

Alliance matches your business with the right working capital product — not just the first lender that says yes.

Business Line of Credit

A revolving credit facility — draw what you need, repay, draw again. Best for ongoing cash flow gaps, seasonal swings, and keeping liquidity on hand without paying interest until you use it.

Typical range: $25K–$500K  |  Term: 12–24 months

Working Capital Term Loan

A lump-sum advance repaid in fixed weekly or monthly instalments. Best for a specific, planned need — an inventory buy, a marketing push, or bridging a contract receivable.

Typical range: $10K–$2M  |  Term: 3–36 months

Merchant Cash Advance (MCA)

An advance against future sales, repaid as a fixed percentage of daily credit/debit card or bank deposits. Fast, flexible, no fixed payment — ideal for businesses with strong sales but variable cash flow.

Typical range: $10K–$500K  |  Repayment: % of daily revenue

Invoice Factoring / A/R Financing

Sell your outstanding invoices to a lender and receive 80–90% of their value immediately. The lender collects payment from your clients and remits the balance minus a fee. Best for B2B businesses with slow-paying customers.

Typical range: $25K–$5M+  |  Rate: 1–3% per 30 days

Revenue-Based Financing

Similar to an MCA but typically available to SaaS and subscription businesses at lower cost. Repaid as a percentage of monthly recurring revenue until a fixed total repayment cap is met.

Typical range: $50K–$2M  |  Cap: 1.2–1.5× advance

Government-Backed Loans (BDC / CEBA)

BDC and CEBA programs offer subsidized working capital to qualifying businesses. Lower rates but more restrictive eligibility and longer timelines. Alliance can guide you on whether these programs fit your situation.

Typical range: $40K–$500K  |  Rate: Prime or fixed low rate

Who Qualifies for Working Capital Financing?

Alliance works with a wide range of businesses. General eligibility criteria vary by product, but most lenders look for:

✓
6+ months in business
Some products available from 3 months
✓
$10,000+/month in revenue
Higher revenue unlocks larger facilities
✓
businesses registration
Corporation, partnership, or sole proprietor
✓
Active business bank account
3–6 months of statements required
✓
No active bankruptcy
Consumer proposals may still qualify
✓
Any industry welcome
Retail, hospitality, construction, professional services, and more

Don’t meet every criterion? Apply anyway — Alliance’s 70+ lender network includes both prime and alternative lenders. What one lender declines, another often approves.

Why Alliance for Working Capital

Fast Decisions

Get matched with multiple lenders and receive decisions in 24-48 hours — not weeks of back-and-forth.

Flexible Terms

Repayment terms crafted around your cash flow — daily, weekly, or monthly repayment options to match your business rhythm.

Competitive Rates

70+ lenders competing for your business means better rates. Our platform finds your best option automatically.

One Application

Apply once to Alliance. We submit to multiple lenders simultaneously — no duplicate paperwork, no redundant credit pulls.

HOW IT WORKS

Three Steps to Working Capital

1

Apply

Fill out a simple form with your business basics and funding need. Takes less than 10 minutes online or through a partner.

2

Match & Approve

We submit your deal to our 70+ lender network, ranked by rate and terms for your profile. Receive decisions in 24-48 hours.

3

Fund & Repay

Review offers, pick your lender, sign documents, and receive funds. Repay on terms that fit your cash flow.

Working Capital Loans — Frequently Asked Questions

Common questions about business working capital financing.

What is a working capital loan? +
A working capital loan is a short-term business loan used to fund day-to-day operating expenses — payroll, inventory, rent, marketing, or cash flow gaps between receivables and payables. Unlike equipment financing, working capital gives you unrestricted cash to run and grow your business.
How much working capital can I borrow ? +
Through Alliance’s 70+ lender network, Businesses can access $10,000 to $5,000,000+, depending on revenue, time in business, and credit profile. Most businesses qualify for 10–20% of annual gross revenue as an unsecured working capital facility.
How fast can I get working capital financing? +
Alliance delivers funding decisions within 48 hours of a complete application. Merchant cash advances and revenue-based financing can fund within 24–72 hours of approval. Traditional term loans and lines of credit typically take 5–10 business days to close.
What credit score do I need? +
Requirements vary by product. Some working capital products (MCAs, revenue-based financing) focus on business revenue rather than personal credit and can approve scores as low as 550. Traditional bank lines of credit typically require 650+. Alliance matches you to lenders whose criteria fit your actual profile.
Do I need collateral? +
Many working capital products are unsecured — particularly MCAs and revenue-based financing. Traditional bank loans typically require collateral or a personal guarantee. Alliance will identify the right product for your situation and flag collateral requirements upfront.
Can I get working capital financing with bad credit? +
Yes, in many cases. Revenue-based financing and MCAs are evaluated primarily on business cash flow. If your business generates consistent monthly revenue — even with a challenged credit history — Alliance can often find a suitable lender. We work with businesses that banks have declined.
What documents do I need to apply? +
Typically: 3–6 months of business bank statements, a completed credit application, recent financial statements or last 2 years of T2 corporate tax returns, government-issued ID for all owners with 20%+ ownership, and a brief description of the funding purpose. Alliance confirms the exact list after your initial application.
What interest rates should I expect? +
Rates vary by product and lender:
  • Bank lines of credit: prime + 1–3%
  • Alternative term loans: 8–18% per annum
  • Revenue-based / MCA: factor rate of 1.15–1.45× (30–80% annualized)
Alliance presents all-in cost comparisons so you understand the true cost before committing.
What’s the difference between a working capital loan and a line of credit? +
A working capital term loan delivers a lump sum upfront repaid on a fixed schedule. A line of credit gives you a revolving limit you draw from and repay as needed. Lines of credit are better for ongoing cash flow management; term loans suit a specific, known need.

Ready to Access Working Capital?

Apply now and get matched with the right lender. Decisions in 24-48 hours, not weeks.

Apply Now