Deposits, by month and by day
Six months of operating deposits tell the desk the size of the business, its seasonality and whether the proposed payment fits inside an ordinary week.
Lines to $250K in 3 daysFixed-rate terms in 5 daysScreened from 640
Working capital loans and lines of credit that close in days, with the terms in writing first.
Payroll before the receivable clears. Inventory before the season. A tax bill, a repair, a contract that needs crew now. Qualified Commercial funds working capital for operating businesses on the cash flow already in the bank account: revolving lines of credit, fixed-rate term loans, hybrid structures and, for qualified files, revenue-based funding. Processed by our own underwriters, with no credit pull to see where you stand.
Screen before applying: 1+ year in business, $50K+ annual revenue and 640+ owner credit for the core programs. Revenue-based funding has its own floor: 5+ years, $1M+ monthly deposits and 650 credit. Below 640, read the bad-credit section before you apply anywhere.
Four things a credit desk looks at in a working capital file.
Working capital is underwritten on the bank account, because the bank account is where it will be repaid from.
Balance behavior
Average daily balance, negative days, returned items and overdrafts. A clean account with modest balances beats a large account that touches zero twice a month.
Existing positions
Every loan, lease, line and advance, with its payment and its collateral. The question is the cash left after all of them, not after the new one alone.
The job the money has
A receivable it bridges, a season it stocks, a contract it mobilizes. Capital with a job and a date is a line or a term loan. Capital to cover a recurring loss is a readiness conversation.
Six requests, and the structure each one actually calls for.
The label matters less than the match. The wrong structure for the right need is how a healthy business ends up with a daily draw.
Small business line of credit
Recurring gaps between paying and getting paid. Revolving capital to $250K, interest only on what is drawn, repay and redraw without reapplying. Typically live in about three days.
Fast business funding with a fixed payment
A defined need and a known payoff. The EZ Term loan funds $25K to $500K on three bank statements and a sentence, fixed for three to five years, typically in about five days.
Working capital for a larger operation
Term stability on the known portion and revolving access on the rest. A hybrid facility to $25M, or a jumbo term loan when the acquisition or project outgrows conventional limits.
Revenue-based funding on a short window
For established businesses with $1M+ in monthly deposits that need to move this week. Weekly or bi-weekly payments, never daily, first or second position only, $25K to $10M.
Small-dollar, long-term working capital
$15K to $50K over ten years at Prime plus a margin, no collateral pledged. Government-backed, so slower and heavier on paperwork, and the cheapest monthly payment on the site.
Replacing a daily-draw advance
Not new money. A refinance review that maps every position, verifies the payoffs and tests whether one amortizing payment is something the deposits can carry.
The working capital programs, side by side.
Typical amount, term and time to close on a complete file. The file is matched to the program that fits; you do not have to pick first.
Main Street
6 programs| Program | Amount | Term | Typical close |
|---|---|---|---|
| Lines of Credit | to $250K | Revolving | 3 days |
| EZ Term Loan | $25K – $500K | 3–5 yr | 5 days |
| Hybrid Term / LOC | to $25M | Varies | 1 day |
| Revenue-Based Financing | $25K – $10M | 12–14+ mo | 3 days |
| MicroCap Working Capital | $15K – $50K | 10 yr | 30 days |
| Jumbo Term Loan | to $25M | Varies | 1 day |
Amounts, terms and timelines are typical ranges for complete files and are subject to underwriting, collateral review, documentation, third-party reports and lender approval. Nothing here is a commitment to lend. SBA programs are additionally subject to SBA eligibility and approval.
Days to close, by program.
Conventional pathQualified Commercial
Hybrid Term / LOC
1 day
Conventional
21 days
Jumbo Term Loan
1 day
Conventional
21 days
Lines of Credit
3 days
Conventional
14 days
Revenue-Based Financing
3 days
Conventional
21 days
EZ Term Loan
5 days
Conventional
30 days
MicroCap Working Capital
30 days
Conventional
75 days
See which review should happen first.
Four non-personal questions. The result is a routing recommendation, not an approval, and nothing is stored.
Step 1 of 425%
This check collects no personal details and does not make a credit decision.
The two questions people search for and rarely get a straight answer to.
Bad credit business loan. Second position MCA. Both searches come from a real place. Here is what this desk can and cannot do with each.
Credit below 640
- The core programs screen from 640, and that floor is real
- Below it, an asset-backed route can still work: equipment, vehicles or property as collateral
- A business with strong deposits may fit revenue-based funding from 650, not lower
- Under 600, the fastest path to a yes is Capital Readiness: a measured plan to fix the file, not another decline
Second-position requests
- Revenue-based funding here is first or second position, full stop
- We do not come in third behind two advances, and we do not stack
- If you already carry two positions, the right review is consolidation, not a third draw
- A second position is only priced when the deposits still clear every payment with room
What a working capital file needs.
Shorter than most. The deposits do most of the work, and the faster programs ask for less.
To start
- Business bank statements, last 3 to 6 months
- One to three sentences on the use of funds
- Time in business and ownership
- Approximate annual revenue
To close
- Most recent business tax return
- Business debt schedule, including advances
- ID for each owner at 20% or more
- Voided check for the operating account
For larger structures
- Business tax returns, most recent 2 years
- Year-to-date P&L and balance sheet
- Accounts receivable and payable aging
- Owner personal financial statement
From a cash gap to funds in the account in four steps.
Direct underwriting removes the packaging, shopping and re-requesting that cost a brokered file a month.
- 01
Start the file
Answer a short set of questions and upload the statements you already have. A preliminary read comes back in minutes, with no credit pull to begin.
- 02
Underwriter review
The person who decides reads the deposits, the balances and the existing positions together, and asks for gaps once.
- 03
Written terms
Amount, term, payment, frequency and total repayment on one sheet. Nothing is discovered on a bank statement later.
- 04
Close and fund
Bank verification, closing documents, then funds in the operating account. Lines are ready to draw.
The working capital library.
Line versus term, how a credit limit is set, the working capital cycle, funding with challenged credit and why stacking advances compounds.
- Working Capital & Lines of Credit
Line of Credit vs Term Loan: When Each One Actually Wins
Same dollar amount, different consequences. How amortization, coverage and renewal risk decide which structure fits, with the arithmetic laid out.
- Working Capital & Lines of Credit
The Working Capital Cycle, and How to Shorten It
Every day between paying for inventory and collecting on the sale is a day you finance. How to compute your cycle, price a single day, and take days out of it.
- Working Capital & Lines of Credit
Business Funding With Bad Credit: What to Check Before an MCA
Need business funding with bad personal credit? Compare credit checks, net cash, existing debts, and daily payments before accepting a merchant cash advance.
- MCA Relief & Debt Consolidation
MCA Stacking: What to Check Before a Second Advance
Already have an MCA? Compare a second advance with payoff and replacement, calculate weekly cash pressure, and prepare a complete funding review file.
Working capital questions.
How fast is fast business funding, really?
On a complete file, a line of credit typically closes in about three days and the EZ Term loan in about five. Revenue-based funding gets an initial read in one to three business days. Same-day funding is not advertised here, because closing still needs verification and documents.
Can I get a business loan with bad credit?
The core programs screen from 640 owner credit. Below that, an asset-backed route or, from 650, revenue-based funding on strong deposits may still work. Under 600, Capital Readiness builds the file toward a yes rather than collecting another decline.
Do you fund a second-position MCA?
Revenue-based funding here is first or second position only, weekly or bi-weekly, never daily. We do not take a third position behind two advances. If you already carry two, the right review is consolidation.
What is the difference between a line of credit and a term loan?
A line revolves: draw, repay, redraw, with interest only on what is outstanding. It fits recurring gaps. A term loan funds once with a fixed payment and a known payoff. It fits a defined purchase or project.
Does checking my options affect my credit?
No. The preliminary read uses no credit pull. A credit report is pulled only when you move forward with a specific program, and you are told before it happens.
How much working capital can my business get?
Lines run to $250K, the EZ Term loan to $500K, hybrid and jumbo structures to $25M, and revenue-based funding $25K to $10M for established businesses. The amount is sized to deposits and existing obligations, not to the maximum a program allows.
Three statements and a sentence is enough to start.
Tell the desk what the money is for and when it is due. The underwriter matches the structure to the deposits and puts the terms in writing before you decide anything.
Amounts, terms, timelines and pricing are typical ranges for complete files, are determined file by file, and are superseded by executed documents. Screening is a preliminary review, not a commitment to lend. Final terms depend on underwriting, collateral review, documentation, third-party reports and lender approval. SBA programs are additionally subject to SBA eligibility and approval. Qualified Commercial does not provide financial, accounting or legal advice.