Fast Capital. No Cashflow Damage.
Fast funding with monthly payments. We move as fast as the predatory lenders but with fair terms that protect your business.
1000+ Businesses Served
$300M Deployed
20+ Lending Partners
500+ SMB Resources
Fast capital for operating needs
Use working capital for any business expense that can't wait for traditional bank timelines.
Common uses
When this makes sense
You need capital in 1-2 weeks, not months. You have a specific use that will generate revenue or prevent loss. You want monthly payments, not daily withdrawals that kill cashflow. You don't qualify for SBA yet or can't wait 6 weeks for bank approval.
Why payment structure matters as much as rate
Fast lenders trap you with daily payments. We give you speed with monthly structure.
Daily payment loan (typical MCA)
Our monthly payment loan
The Difference
You get the speed you need without the payment structure that destroys businesses. This is what fair fast funding looks like.
Terms and pricing
Here's exactly what you get.
Loan amount
- $50,000 - $500,000
- Typical range: $100,000 - $350,000
APR
- 20-29%
- Determined by our proprietary credit model
Term
- 3 years with up to 10 year amortization
- Monthly payments, not daily
Funding timeline
- As little as 7 days
- Current average: 1-3 weeks
Fees
- 6% origination fee
- Legal preparation fees
- Prepayment penalty in first 6 months only
What you need to qualify
Eligibility for fast working capital.
- Minimum 2 years in business under current ownership
- Minimum $100,000 annual gross revenue
- For-profit business entity
- U.S.-based business (including territories)
- Good standing on taxes, no active litigation
- Light global DSCR ≥1.15x (includes personal income)
- Business credit: Pass our proprietary credit model scoring
- Owner credit: VantageScore ≥640 for all owners ≥20% ownership
- Minimum 20% owner equity in business
- ≥51% owned by U.S. Citizens, Nationals, or Lawful Permanent Residents
- Personal guarantees required from all owners ≥20%
- Blanket UCC filing on business assets
- Any business operating expense
- Cannot be used for personal expenses
- Subject to NAICS code restrictions (full list available upon request)
- Last 2 years business tax returns
- Year-to-date P&L and balance sheet
- Complete debt schedule
- Use of proceeds statement
- Last 2 years personal tax returns (all owners ≥20%)
- Signed personal financial statements
From eligibility check to funding in as little as 7 days
Here's exactly what happens and how long each step takes.
01
Check eligibility
Answer basic questions about your business. No credit pull at this stage.
02
Submit pre-qualification documents
Upload your tax returns, financials, and debt schedule. We review and confirm your loan options
03
Chat with a funding expert
No sales pitch. We explain your options, timeline, and next steps.
04
Complete underwriting
Upload remaining documents or connect your accounting software. We handle the rest.
05
Approval and funding
Review and sign loan documents. Funds hit your account in as little as 7 days.
When to use fast working capital
Here's how this loan compares to your other options.
Fast working capital is right if
- You need funding in 1-3 weeks, not months
- You don't qualify for SBA yet (credit, time in business, or documentation)
- You want monthly payments, not daily withdrawals
- You have a specific use that justifies the higher rate
SBA is better if
- You can wait 6 weeks for funding
- You meet strict SBA requirements
- You want the absolute lowest rate (11-13% APR)
- Your use of proceeds fits SBA guidelines
This is NOT for
- Refinancing existing debt (see our MCA Refinance or Debt Consolidation options)
- Personal expenses (business use only)
- Speculation or passive real estate investment
Fast working capital FAQs
Yes, but there's a prepayment penalty in the first 6 months. After 6 months, pay off anytime with no penalty.
Monthly payments give you more flexibility than daily withdrawals, but you still need consistent ability to make the payment. We'll evaluate your seasonal patterns during underwriting.
Transportation, banking, financial services, gambling, speculation, real estate development, and others. Full NAICS code list available upon request.
Blanket UCC lien on business assets. Additional collateral may be required based on credit profile. Personal guarantees from all owners ≥20%.
We have monthly payments (not daily), transparent APR pricing (not factor rates), and a fixed term (not revenue-based payoff). You know exactly what you owe and when.
Yes. Strong payment history can qualify you for additional funding or refinancing to better terms.
Fast funding from experienced lenders, not loan sharks
1000+
$300M+
20+
NAGGL
What business owners are saying
Working Capital Loan They turned complex financial challenges into smooth solutions—and made the process enjoyable.
Business Loan The team at ChatBiz Finance are knowledgeable and seasoned professionals, further strengthened by an entrepreneurial spirit. I highly recommend them
Fast Working Capital ChatBiz made it easy from day one. They reorganized my books and helped me get approved when I really needed clarity and support. They're true experts who got me the best structure for my financial goals.
Get fast capital with fair terms
Check your eligibility for up to $500K in working capital. No credit pull. No commitment.
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