Products
Working capital
Definition
Working capital is the money a business uses to cover day-to-day operations — and, as a funding product, short-term capital repaid out of ongoing revenue.
In accounting, working capital is current assets minus current liabilities: what the business could cover right now if it had to. In funding, the term refers to short-term capital used for operating needs — inventory, materials, payroll, bridging a receivable — repaid out of the revenue those operations produce.
It is the most flexible funding category and typically the fastest to arrange, which is why it fits needs with a short, self-liquidating horizon rather than multi-year investments.
Express Capital Funding · Direct lender
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We underwrite in-house and fund from our own balance sheet. $10,000+ in monthly revenue and 6+ months in business is the gate — a decision the same day, funding in as little as 24–48 hours.
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