Business Working Capital

Fuel Your Business Growth

Access flexible working capital solutions designed to help your business manage cash flow, seize opportunities, and scale operations with confidence.

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Flexible Capital Solutions

Keep Your Business Moving Forward

Every business faces moments when additional capital can make the difference between stagnation and growth. Whether you need to manage seasonal fluctuations, invest in inventory, cover payroll, or seize a time-sensitive opportunity, our working capital solutions provide the financial flexibility you need.

At Union Point Commercial Finance, we partner with a network of trusted lenders to offer competitive rates, fast approvals, and terms tailored to your business needs. Our advisory approach ensures you get the right financing structure for your unique situation.

$25K-$5M

Funding Amounts

24-48 Hrs

Funding Speed

Business owner reviewing finances

95%

Approval Rate

Financing Options

Working Capital Solutions

We offer a range of working capital products to match your business needs and cash flow requirements.

Business Term Loans

Fixed-rate loans with predictable monthly payments for major investments, expansion, or debt consolidation.

  • $25K - $5M amounts
  • 1-5 year terms
  • Fixed monthly payments

Business Lines of Credit

Revolving credit that gives you access to funds when you need them, paying interest only on what you use.

  • Draw funds as needed
  • Revolving availability
  • Flexible repayment

Invoice Factoring

Convert your outstanding invoices into immediate cash to improve cash flow without taking on debt.

  • Up to 90% advance rate
  • Fast funding
  • No debt on balance sheet

Revenue-Based Financing

Flexible financing where repayments adjust based on your business revenue, ideal for seasonal businesses.

  • Payments flex with revenue
  • No fixed monthly amount
  • Quick approval

Merchant Cash Advance

Access capital based on your future credit card sales with automatic daily or weekly repayments.

  • Based on card sales
  • Automatic repayment
  • Fast funding

SBA Working Capital Loans

Government-backed loans offering competitive rates and longer terms for qualified businesses.

  • Lower interest rates
  • Longer terms available
  • SBA guarantee
Why Choose Us

The Union Point Advantage

We make accessing working capital simple, fast, and tailored to your business needs.

Fast Decisions

Get pre-approval within 24 hours and funding in as little as 48 hours after approval.

High Approval Rates

Our network of lenders means more options and higher approval rates for your business.

Use Funds Freely

No restrictions on how you use your capital—invest in what matters most to your business.

Build Business Credit

Responsible use of working capital can help strengthen your business credit profile.

Dedicated Support

Work with a dedicated advisor who understands your business and financing needs.

Renewable Options

Many of our products offer renewable funding as you build a track record with us.

Simple Process

How It Works

Get the working capital you need in four simple steps.

01

Submit Application

Complete our simple online application in minutes. Provide basic business information and funding needs.

5 minutes
02

Quick Review

Our team reviews your application and matches you with the best financing options from our lender network.

24 hours
03

Receive Offers

Review competitive offers tailored to your business. Your advisor will help you understand each option.

Same day
04

Get Funded

Accept your preferred offer and receive funds directly in your business account.

24-48 hours

Frequently Asked Questions

Get answers to common questions about working capital financing

Funding speed varies by loan type. Business lines of credit and merchant cash advances can fund in 1-3 business days. SBA working capital loans take 30-60 days. Short-term business loans typically fund within 5-10 business days.
Working capital can cover inventory purchases, payroll, marketing campaigns, seasonal expenses, accounts receivable gaps, vendor payments, and day-to-day operational costs. It cannot be used for real estate purchases or long-term asset acquisition.
Requirements vary by lender and loan type. Generally, you need 6+ months in business, minimum monthly revenue of $10,000-$25,000, and credit score of 600+. SBA loans have stricter requirements but offer better terms.
Most working capital loans require a personal guarantee, which means you're personally liable. The initial credit inquiry may impact your score by a few points. Making on-time payments can actually improve your business and personal credit over time.
A line of credit provides revolving access to funds (like a credit card) - you only pay interest on what you use and can reuse as you repay. A term loan provides a lump sum upfront with fixed monthly payments over a set period.
Yes, seasonal businesses can qualify for working capital. Lenders will review your annual revenue patterns and cash flow cycles. Lines of credit are particularly useful for seasonal businesses since you only pay interest during high-demand periods when you draw funds.
View All Working Capital FAQs

Ready to Access Working Capital?

Connect with our financing specialists to explore working capital solutions tailored to your business needs and growth goals

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