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Cover payroll, inventory and operating costs with a working-capital advance we fund in house: $5,000 to $10 million, sized at 80%–150% of monthly revenue.
Working capital is the money that keeps the lights on between revenue coming in and bills going out — payroll, rent, inventory, insurance, marketing. What Full Send Funding funds in house for it is an advance, not a loan: $5,000 to $10 million of that breathing room, sized to your average monthly revenue (typically 80%–150% of it), repaid over 4 months to 3 years, at a cost set as a factor on the amount funded. A working capital loan that charges interest we arrange with a direct lending partner, only after talking through the options with you and only if you choose to, never through a broker, and at no fee to you; its terms are the partner’s, set out in writing before anything is signed.
Approval is underwritten on your deposits, not your credit score: 4+ months in business, $10,000+ in monthly revenue, and your last 4 months of bank statements. Decisions arrive within 24 business hours and, on deals up to $2 million, funding lands within 24 hours of approval.
Most owners size a working capital request from the shortfall they can see on a calendar. Underwriting sizes it from the account, and the offer that comes back is the lower of two numbers — a revenue ceiling set by the published 80%–150% band and an affordability cap set by what a remittance can be without crowding the account — then held inside the program's $5,000 to $10 million range. Which of the two binds is the first thing to work out, and you can do it from your own statements before you apply; where it is the affordability cap, the money sitting in the account between deposits matters more than any single headline month. Two businesses with identical deposits and different average daily balances are not the same file, and the thinner balance is usually offered less.
Working capital sizing tracks the same 80%–150% of monthly revenue band, within $5,000 to $10 million — $24,000–$45,000 on $30,000 of monthly deposits, $2.4 million–$4.5 million on $3 million. The practical question isn't the maximum you could take — it's the payment your slowest week can absorb. We'd rather fund $40,000 you repay comfortably than $70,000 that turns every Tuesday into a problem. A loan we arrange with a partner is sized by the partner, not by this band.
It isn’t a separate product so much as a purpose: working capital describes what the money is for. What we fund in house for it is an advance, as a single sum on a fixed schedule or as draws on our flex line of credit, each draw priced as its own advance. A term loan, where it fits better, we arrange with a direct lending partner at no fee to you, on terms the partner sets out in writing. Your advisor will show you the structures you qualify for.
On an advance we fund in house, between $5,000 and $10 million — typically 80%–150% of your average monthly revenue, based on your bank statements. A loan we arrange with a partner is sized by the partner.
Decisions within 24 business hours; on deals up to $2 million, funding within 24 hours of approval, so application to money in the account typically takes 1–3 business days end to end. Clean files submitted before 2pm ET can fund same-day by wire.
Payment schedules are set per deal, and which options are available depends on qualifications: weekly, bi-weekly, monthly for qualified clients or, if desired, a percentage of sales. Daily payments are available on request, but they are not our preferred payment method. Repayment is collected automatically from your business checking account by ACH debit, sized so the funding pays back over the agreed term. You will know the payment and its frequency before you sign.
A working capital advance is a lump sum with a set repayment schedule. A line lets you draw as needs arise and pay only on what you draw: on our flex line each draw is priced as its own advance, and an interest-bearing line, which we arrange with a direct lending partner, charges interest on the balance you carry. Recurring unpredictable gaps usually suit a line; a known one-time gap suits a lump sum.
Yes. Early payoff is structured deal by deal rather than by a standard schedule: some agreements forgive all of the remaining cost, some half of it, some carry a custom prepayment step-down, on some renewals the outstanding balance is forgiven, and some carry no saving, so paying early settles the full remaining balance. There is never a prepayment fee: paying early never costs more than paying on schedule. On a loan arranged with a direct lending partner, interest normally stops accruing at payoff, as the partner’s agreement sets out. Ask for the figure in dollars at a stated month. Whichever applies to yours is set out in writing before you sign.
Yes, more than most applicants expect, because naming the need is how you find out what kind of need it is: a timing gap, where the revenue exists and simply arrives later than the bill; a growth step, which pays for itself only over a longer stretch; or a shortfall that borrowing would only make larger. It also sets the term. A request that reads simply "working capital" tells us nothing. "Payroll on a six-month contract that pays net-60" tells us how long the gap is — and the length of the gap is what the term should match. A short gap on a long term pays for months you did not need, and a permanent need on a short term has to be refinanced before it has paid for itself.
On the balance sheet, only when the term runs past a year, and less than the headline suggests even then. Working capital is current assets minus current liabilities, and everything owed within twelve months is current, so funding repaid inside the year adds to both sides at once and the book figure does not rise. On a longer term only the principal scheduled for repayment inside the next twelve months counts as current, so the book figure rises by the rest. What does not move either way is operating working capital, which strips out cash and short-term debt and measures what the business has tied up in doing the work. That is set by your cash conversion cycle, not by borrowing. Capital buys you the interval. It does not shorten the cycle, and shortening the cycle is usually the cheaper of the two.
Four months of complete business bank statements are the base on every file. Above about $250,000 we often, though not always, also ask for the most recent business tax return and either year-to-date financials or an A/R aging report, depending on the business. Having them ready shortens the file; a decision still comes within 24 business hours once it is complete.