Business Line of Credit
Revolving access to capital. Draw what you need, repay, redraw. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring needs, seasonal gaps
WESTVALVE FINANCIAL • WORKING CAPITAL
Working Capital for Small Business.
Lines of credit, short-term loans, and revenue-based options — fast funding for payroll, inventory, and cash flow gaps. No obligation to explore your options.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALWORKING CAPITAL
FUNDING IN 24-48 HOURS
Capital for day-to-day operations.
Payroll. Inventory. Rent. The gap between AR and AP. We help you access the capital that keeps your business running.
WORKING CAPITAL SOLUTIONS
Capital for cash flow gaps.
Working capital isn't extra money — it's oxygen. You need it for payroll, inventory, the gap between paying suppliers and collecting from customers. We help you access the right product for your cash flow cycle.
Short-Term Working Capital Loan
Lump sum for immediate needs. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: specific one-time needs
Revenue-Based Financing
Repay a % of monthly revenue. Payments scale with your business.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with revenue
- Best for: seasonal, growing revenue
SBA Working Capital
Lowest rates, longest terms. SBA 7(a) for qualified borrowers.
- Up to $5M
- Up to 10-year terms
- Prime + 2.25–4.75% (capped)
- Best for: qualified borrowers, larger needs
HOW TO CHOOSE
Match the product to your cash flow cycle.
01
Recurring gaps?
Line of credit — draw, repay, redraw as needed.
02
One-time gap?
Short-term loan — lump sum, fixed payments, done.
03
Revenue scales seasonally?
Revenue-based — payments scale down when revenue dips.
04
Qualify for SBA?
Lowest rates, longest terms. 680+ credit, 2+ years in business.
REQUIREMENTS
What you need to qualify.
Alternative Working Capital
- Credit: 500+
- Time in business: 6+ months
- Revenue: $100K+ annually
- Speed: 24-48 hours
Business Line of Credit
- Credit: 600+
- Time in business: 1+ year
- Revenue: $250K+ annually
- Speed: 3-10 days
SBA Working Capital
- Credit: 680+
- Time in business: 2+ years
- Revenue: Profitable
- Speed: 30-90 days
Revenue-Based
- Credit: 550+
- Time in business: 6+ months
- Revenue: $200K+ annually
- Speed: 24-48 hours
INDUSTRIES WE SERVE
Working capital for your industry.
Construction
Transportation
Healthcare
Professional Services
Manufacturing
Restaurants
Retail
Seasonal Businesses
Wholesale & Distribution
Professional Services
Technology
Other U.S. Businesses
GET STARTED
Let's find your working capital solution.
Tell us about your cash flow needs. We'll match you with the right product and provider — no obligation.
FAQ
Questions about working capital.
What is working capital financing?
Working capital financing provides funds to cover day-to-day operating expenses — payroll, inventory, rent, utilities, and the gap between paying suppliers and collecting from customers. It's not for long-term investments; it's for keeping the lights on and the business running smoothly.
How fast can I get working capital?
Alternative working capital: 24-48 hours. Business lines of credit: 3-10 business days. SBA working capital: 30-90 days. The speed depends on the product and how quickly you provide documentation.
What credit score do I need for working capital?
Alternative working capital: 500+ credit score. Business lines of credit: 600+. SBA working capital: 680+. Strong revenue and time in business can offset lower scores.
How much working capital can I get?
Typically 10-20% of annual revenue for unsecured options. Lines of credit: $10K-$500K. Revenue-based: up to 10-15% of annual revenue. SBA working capital: up to $5M.
What's the difference between a line of credit and a short-term loan?
A line of credit is revolving — draw, repay, redraw. Interest only on what you use. Best for recurring needs. A short-term loan is a lump sum with fixed payments over 3-18 months. Best for a specific, one-time need.