Working capital
Get $5,000 to $10 million in working capital for payroll, inventory, rent and other day-to-day costs. No collateral, same-day decisions and funds in as little as 24 hours.
- No collateral required
- Use it for any operating expense
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
How working capital works.
A funder pays you a lump sum now in exchange for a share of your future sales. You pay it back in small, regular amounts, each business day or each week, from your business bank account, over 3 to 24 months.
It’s based on your sales, not your assets, so we look at your deposits: how much comes in and how steadily. That keeps the paperwork short and the funding fast.
Read more
What it costs. The cost is set at the start as a fixed amount, written as a factor rate: a multiple of the sum you receive. Compare offers by what you receive and the total you pay back, in dollars.
Why it isn’t a loan. The funder buys part of your future sales, so there’s no interest rate. The cost is a fixed amount agreed up front.
Fixed payments or a share of sales. Some agreements take a fixed amount each day or week. Others take a share of your card sales or deposits, so a slower week means a smaller payment.
Paying early. Because the cost is fixed at the start, paying early doesn’t always lower it. Some funders offer a discount for an early payoff.
Working capital at a glance.
- Lump sum
- The full amount up front, for any operating expense
- How much
- $5,000 to $10 million
- Term
- 3 to 24 months, for near-term needs
Compare your options.
See how Noya Funding stacks up against other financing sources.
| Traditional Bank | Other Online Lenders | ||
|---|---|---|---|
| Funding Speed | Same day to 48 hours | 30-90 days | 2-7 days |
| Funding Amount | $5K-$10M | $50K-$5M | $5K-$500K |
| Hard Credit Pull | Never | Always | Usually |
| Min. Annual Revenue | $150K+ | $250K+ | $100K-$250K |
| Min. Credit Score | 500+ FICO | 680+ FICO | 550-600+ FICO |
| Collateral Required | None | Often | Sometimes |
| Time in Business | 6+ months | 2+ years | 1+ year |
| Dedicated Advisor | Always | Never | Sometimes |
| Documents Needed | 4 bank statements | Full financials + tax returns | Varies |
| Application Time | 5 minutes online | Days to weeks | 1-3 days |
| Apply NowApplying won’t affect your credit score. |
What small businesses use working capital for.
Stock bought in bulk
A bulk order or a supplier’s discount, before the offer ends.
Seasonal staff
Hire and train staff before a busy season starts.
A job you’ve just won
Materials and labor to start before the first payment comes in.
Rent and suppliers
Keep rent and supplier bills on schedule through a slower month.
Marketing
A campaign timed for the weeks when your customers buy most.
Repairs and refits
New fixtures or repairs done right away.
When working capital is the right choice.
Working capital fits when the need is part of running the business, the amount is set and the repayment is short.
You have a seasonal gap you can see coming
Retailers before the holidays, contractors in winter and landscapers in February all know when the slow stretch arrives. Working capital covers rent, payroll and suppliers through it, on a term of 3 to 24 months, repaid as business picks up.
You need to cover payroll while revenue catches up
A slow week, a client who pays late or a dip after your peak can leave payroll short. Working capital covers it now, so your team is paid on schedule, and you repay it from the revenue that follows.
You need to restock or pay a supplier
You buy inventory before you sell it, and supplier invoices come due on their schedule, not yours. Working capital puts the money in place for the order, and the repayment follows your selling cycle.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit patterns and time in business. A business with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
Is working capital a loan?
No. It’s a cash advance: a funder buys part of your future sales for a lump sum now. That’s why its cost is a fixed amount rather than an interest rate.
How is it paid back?
In small, regular amounts, each business day or each week, from your business bank account. Some agreements take a share of your card sales instead, so a slower week means a smaller payment.
What does working capital cost?
A fixed amount set at the start, written as a factor rate. Compare offers by what you receive and the total you pay back, in dollars.
Do I need collateral?
No. Working capital is based on your sales, so no collateral is required.
How soon can the money arrive?
Decisions come the same day. Once you’re approved and the documents are signed, funds reach your account in as little as 24 hours. See what decides how quickly money arrives.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.