Working Capital Loans
Fuel Your Start-Up Dreams
Designed for businesses in construction, landscaping, or other trades with at least 6 months of operation, this solution prioritizes speed and simplicity.
Keep your business running smoothly with fast, flexible access to funds tailored for experienced operators. Whether you’re managing cash flow gaps, covering unexpected expenses, or seizing new opportunities, our Working Capital Loans provide the short term liquidity you need to maintain momentum.
Unlike our Equipment Financing, which funds specific equipment purchases, or our Small Business Loans for long term growth, Working Capital Loans focus on bridging financial gaps- ensuring you’re ready for whatever comes next.
Key Features
Our Working Capital Loans are designed to provide fast, flexible support for your operational needs:
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Cover a wide range of costs- payroll to keep your team on board, fuel to keep your fleet moving, maintenance to ensure your tools are ready, or marketing to attract new clients and grow your business.
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We work with lenders who focus on your business’s revenue stream, not just your credit score, making funding more accessible for operators with consistent sales but less than perfect credit.
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Apply in minutes and get decisions within 1–2 business days (pending document submittals), with funds available as quickly as 24–48 hours- perfect for addressing urgent needs like a last minute supplier payment.
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Keep your business running smoothly between jobs, ensuring you’re prepared for unexpected expenses or opportunities without disrupting your workflow.
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With terms typically ranging from 3 to 18 months, these loans are structured for quick repayment, helping you manage cash flow without long-term commitments.
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Unlike equipment financing, these loans don’t tie funding to specific assets, giving you freedom to use the funds wherever they’re needed most.
Our Working Capital Loans are tailored for businesses that need quick, flexible funding to maintain operational stability:
Experienced operators with regular revenue, looking to bridge financial gaps between projects or revenue cycles.
Businesses with at least 6 months in operation, established enough to demonstrate consistent monthly revenue but needing short term support.
Owners seeking short term liquidity to address immediate needs, such as covering payroll during a slow period or paying suppliers to secure materials for a new job.
Companies managing expenses not tied to a specific asset purchase, unlike equipment financing -think fuel for your fleet, maintenance for your tools, or marketing to win new clients.
We’ve supported businesses across the U.S., from bustling southern markets to northern and rural operations, helping them stay agile in the face of financial ebbs and flows.Our Working Capital Loans help you cover day-to-day expenses and keep things moving. perfect for when you need quick cash flow, not long-term funding or equipment financing.
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Payroll and Staffing
Ensure your team is paid on time, even during slow periods, so you can retain talent and maintain productivity.
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Fuel and Transportation
Cover fuel costs for your fleet or transportation expenses to get your team and materials to the job site without delay.
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Maintenance and Repairs
Keep your tools and vehicles in top shape with funds for repairs or routine maintenance, avoiding downtime that could stall your projects.
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Supplies and Materials
Secure materials or supplies to fulfill client orders, ensuring you can deliver on time and maintain your reputation.
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Marketing and Growth
Invest in marketing campaigns, website updates, or promotional materials to attract new clients and grow your revenue streams.
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Unexpected Expenses
Handle unforeseen costs- like emergency repairs or a sudden increase in insurance premiums- without derailing your operations.
We’ve streamlined the process to get you the funds you need with minimal hassle:
Submit Application
Use our Quick Apply Form or contact us directly- takes less than 5 minutes to share your basic business details and revenue history.
Submit Documents
Provide light paperwork- ID, EIN, and 3–6 months of bank statements to verify your revenue. No complex financial audits required in most cases.
Receive Approval and Finalize Terms
Approvals typically come within 1–2 business days. Review your terms (e.g., 8–18% interest rates, 3–18 month terms) and sign electronically to proceed.
Funding
Funds can be available in as little as 24–48 hours, ready to address your immediate needs- whether it’s payroll, supplies, or a last-minute expense.
Loan Range and Terms: Access loans from $5,000 to $75,000, with terms of 3 to 18 months, tailored to your revenue and repayment capacity.
FAQs Frequently Asked Questions
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We work with lenders who prioritize your monthly revenue over your credit score. Even with a lower score, funding may still be possible if your revenue is consistent
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Most clients receive decisions within 1–2 business days, with funding as quick as 24–48 hours- ideal for urgent operational needs like payroll or supplies.
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No, these loans typically don’t require collateral, unlike equipment financing, giving you flexibility to use the funds wherever they’re needed.
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Lenders generally look for at least $10,000 in monthly revenue over the past 3 months, though requirements vary based on your business profile.
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How does this differ from Small Business Loans?
Unlike our Small Business Loans, which support long-term growth for start-ups, Working Capital Loans focus on short-term liquidity for established businesses with regular revenue. -
Yes, many clients use these loans to fund marketing campaigns or promotional efforts to attract new clients and boost revenue.
“REC Kept My Business Moving During a Cash Flow Crunch”
“When a delayed client payment left me struggling to cover payroll and supplies, I turned to REC for help. Their team quickly secured the short-term funding I needed, with funds available in just 48 hours, allowing me to keep operations running smoothly without missing a beat. I’m grateful for their fast and reliable support.”
FlowTech Enterprises, Atlanta, GA