Working Capital Loan: Fast, Direct Funding in 24 Hours

    Flexible short-term funding with fast approval and revenue-based options. No hidden fees.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Application

    What do you need funding for?

    $2.5B+

    Funded nationwide

    Direct to small businesses

    95%

    Approval rate

    For qualified applicants

    12 hrs

    Avg. funding speed

    Application to funded offer

    The right capital, right when you need it.

    Four ways working capital keeps your business moving — fast funding, flexible terms, zero friction.

    Uninterrupted operations

    Cash Flow Stability

    Keep your operations running smoothly even during slow periods. Working capital funding ensures you can meet obligations on time, every time.

    Uninterrupted operations
    Funding in hours

    Same-Day Speed

    When your business needs capital now, waiting weeks isn't an option. Our streamlined process delivers funding as fast as the same business day.

    Funding in hours
    Revenue-based options

    Flexible Repayment

    Choose from daily, weekly, or revenue-based repayment structures that adapt to your business cycle. No rigid schedules that strain your cash flow.

    Revenue-based options
    2-minute prequalify

    Simple Application

    Skip the paperwork overload. Our 2-minute prequalification form gets you matched with the right funding option without the bank-level bureaucracy.

    2-minute prequalify
    No credit score impactDecisions in minutesFunds as fast as 24 hrs
    Start your application

    Get working capital in three easy steps.

    From application to funded — straightforward, transparent, and fast.

    01
    Prequalify

    Tell us about your business.

    Complete a quick 2-minute form with basic details about your business, monthly revenue, and how much working capital you need. No documents required upfront.

    2 minto complete
    02
    Get Matched

    Review your tailored offers.

    Your dedicated funding advisor analyzes your profile and presents the working capital options best suited to your revenue pattern and operational needs.

    Same daydecision
    03
    Get Funded

    Capital in your account.

    Accept your offer, sign the agreement, and watch the funds land in your business account. Most working capital deposits arrive within 24 hours of approval.

    24 hrsavg. funding time
    No hard credit pullFree to applyNo hidden fees
    Start your application

    Your Options

    Working capital solutions tailored to your needs.

    Every business has different operational demands. Explore the funding product that fits your revenue cycle and cash flow pattern.

    Fast Funding

    Short-Term Loans

    Bridge cash flow gaps with fixed-term capital designed for immediate operational needs. Predictable payments, fast approval.

    What's included

    • $5K–$250K loan amounts
    • 3–18 month terms
    • Funding in 24 hrs
    • Weekly or daily repayment
    Revenue-Based

    Merchant Cash Advance

    Repay as a percentage of daily sales — when revenue dips, so do your payments. Ideal for businesses with variable income.

    What's included

    • $10K–$500K advances
    • Factor rates from 1.1x
    • Same-day funding available
    • Automatic repayment
    Revolving Credit

    Business Line of Credit

    Maintain a safety net for your operations. Draw funds when you need them and only pay interest on what you use.

    What's included

    • $10K–$250K credit limits
    • Draw as needed
    • Only pay on what you use
    • Builds business credit
    No credit score impactDecisions in minutesFunds as fast as 24 hrs
    Loan Calculator

    Business Loan Calculator: Estimate Your Payments

    Calculate your monthly payments, total interest, and full amortization schedule in seconds — no sign-up or credit check required.

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Amortization Breakdown

    How your payments split over time

    Principal paid
    Interest paid

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free
    Real results

    Working capital that kept businesses moving.

    Hear from business owners who stabilized their cash flow with GBB Loans funding.

    "We had a slow quarter and needed to cover payroll for 30 employees. GBB Loans got us $60,000 in working capital overnight. Our team never missed a paycheck."

    Funded $60,000
    R
    Rachel M.Owner, Greenleaf Landscaping

    "Seasonal inventory orders were due and cash was tight. The merchant cash advance through GBB Loans let me stock up before peak season without draining my reserves."

    Funded $95,000
    T
    Terrence W.Founder, UrbanThread Apparel

    "I needed bridge funding between two large contracts. The line of credit gave me exactly the flexibility I was looking for — draw what I need, pay it back, repeat."

    Funded $120,000
    A
    Alicia F.Director, Summit Event Group
    Common questions

    Working capital loans: FAQ.

    Answers to the most common questions about working capital financing.