Working Capital
Working capital financing provides businesses with the liquidity to cover payroll, inventory, seasonal gaps, and growth initiatives. From term loans to revolving lines of credit, we match your business with capital that fits your cash flow cycle.
Start with a quick overview of your deal.
Tell us about your project and we'll respond within 48 hours with next steps — no upfront fees, no obligation.
Why choose working capital financing with Yoder Funding.
Term loans and revolving lines of credit
Fund payroll, inventory, marketing, and expansion
Flexible repayment aligned with revenue cycles
Options for businesses declined by traditional banks
Fast approval for qualified borrowers
What lenders typically look for.
Requirements vary by program and lender. We match your deal to the right fit.
- ✓Established business with 1–2+ years operating history
- ✓Minimum monthly revenue requirements vary by program
- ✓Credit scores typically 600+ depending on program
- ✓Business bank statements for underwriting
- ✓Clear use of funds and repayment plan
Common questions about working capital loans.
What is the difference between a term loan and a line of credit?
A term loan provides a lump sum repaid over a fixed schedule. A line of credit gives you revolving access to funds, paying interest only on what you draw.
Can startups get working capital?
Most working capital programs require 1–2 years of operating history. Startups may qualify for alternative programs with strong personal credit and collateral.
How quickly can working capital be funded?
Alternative working capital programs can fund in 1–5 business days. Traditional bank lines typically take 2–4 weeks.
Request a working capital review for your business.
Request a Loan Review