Operating costs, payroll, inventory, a seasonal cash flow gap, or an opportunity you don't want to miss — working capital financing is usually the fastest commercial financing to put in place.
How It Works
Your working capital journey, simplified
01
Apply online
Tell us about your business and your financing needs — takes about 3 minutes.
02
Team review
A commercial financing specialist reviews your file and explores your options.
03
Options & match
We match you with the best lenders and structures for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
What You'll Need
Documents to have ready
Exact requirements vary by lender and file — your commercial specialist will confirm the full list once we know your situation.
Common Questions
Working Capital FAQ
What can working capital financing be used for?
Operating costs, payroll, inventory, seasonal cash flow gaps, expansion, or an unexpected opportunity.
Is working capital financing secured against a specific asset?
Not always — it can be structured as secured or unsecured depending on your business's financials and the lender.
How is working capital financing different from a line of credit?
A line of credit is revolving — draw and repay repeatedly. Working capital financing is often a lump sum with a fixed repayment schedule, though both exist.
How quickly can I access working capital?
Often the fastest of all commercial financing types — sometimes within days, since there's no property or construction underwriting involved.
General information only — your specific numbers depend on your file. A commercial financing specialist will confirm exact details for your situation.
Get Started
Request commercial financing
Welcome
Let's scope out your financing
A few quick questions about your business and the property, then a commercial financing specialist will follow up personally — no obligation.
Equity Mortgage Solutions is not a bank — rates, terms, and lender fit vary by file. Submitting this form is not a guarantee of approval or financing.
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