Working Capital Loans

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Funding Options 💵 Working Capital 📅 Term Loans 🔄 Line of Credit 🏗️ Equipment Financing 🌇 Bridge Loans 📄 AR / Invoice Funding About How It Works Reviews Industries Recent Deals Referrals Contact FAQ Calculator 📞 866-869-6790 Apply Now
Product Details

What Makes This Product Work for You

Everything you need to know about this financing solution.

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Cover Payroll & Operating Costs
Never miss a payroll cycle or let a vendor slip. Working capital keeps your operations running smoothly even when cash timing is off.
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Prepayment Discounts
Pay off early and earn significant savings. We offer prepayment incentives including up to 100% interest forgiveness depending on qualifications — no penalties, maximum savings.
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Qualify with 3+ Months in Business
One of the most accessible funding products we offer. If you've been in business for 1+ year with $70K+ monthly revenue, you likely qualify.
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580+ Credit Score Accepted
We look beyond your credit score. $75,000monthly revenue and business history matter more than a perfect FICO. Many of our clients have rebuilt their credit with our help.
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Same-Day to 48-Hour Funding
Apply in the morning and have funds in your account by end of day. When your business needs cash fast, we deliver.
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Short Repayment Terms (3–18 Months)
Working capital loans are designed to be short and clean. Pay it off quickly, build your track record, and qualify for larger amounts next time.
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No Collateral Required
Unsecured funding based on your business performance — not your personal property or business assets. Your stuff stays yours.
The Process

Three Steps to Funding

Apply in minutes, hear back the same day, and get funded within 24 hours of approval.

1
Apply in Minutes
Fill out our simple online application in under 5 minutes. No documents required to check your rate. No hard credit pull.
2
Get Matched & Approved
Our team reviews your application same day. Submit before noon, hear back by end of business — guaranteed.
3
Funds in Your Account
Once approved, funds are wired directly to your business account — often within 24 hours of final approval.
Is This Right for You?

Find Your Perfect Fit

✅ Good Fit For...

  • ✅ Covering payroll while waiting on accounts receivable
  • ✅ Seasonal inventory buildup before peak season
  • ✅ Unexpected operating expenses and emergencies
  • ✅ Businesses with thin credit history building track record

⚠️ Consider Alternatives If...

  • ⚠️ Long-term capital investments (use a Term Loan)
  • ⚠️ Businesses operating for less than 3 months
⭐ 4.9 out of 5 on Trustpilot
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Read all reviews on Trustpilot ↗
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We had a great experience working with Ron & Dan. No pressure, no gimmicks, just clear and honest communication. They are hands down the best. Truly refreshing, straight shooters who get the job done and genuinely help small businesses succeed.
✓ Verified Trustpilot Review — December 2025
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Having been in business for 30 years I can attest that Cheddar is an excellent small business resource. I highly recommend Dan and his team.
✓ Verified Trustpilot Review — February 2026
⭐⭐⭐⭐⭐
These guys could not make the process any easier! I literally applied for my loan yesterday and I have already been funded. I would highly recommend them to anyone.
✓ Verified Trustpilot Review — November 2024
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I’ve had the privilege of dealing with Cheddar Capital many times over the last 10 years. Dan and Ron are fantastic — they’ll answer your questions and find you the best loan with the attention as if you’re their only client.
✓ Verified Trustpilot Review
Get Started

Ready to Get Funded?

Takes 5 minutes. No documents needed to check rates. No hard credit pull. No personal guarantee required.

🔒 Your information is 100% secure. No hard credit pull. No spam.
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Before You Go — What’s Holding You Back?

Most businesses qualify with $75K+/mo in revenue and at least 1 year in business — no pressure, no hard pull.

✅ Check If I Qualify — 60 Seconds

Disclaimer: Cheddar Capital Partners keeps its information as accurate and as up to date as possible. This information can be different than your financial institution offerings, products, or services. All pre-qualified offers and approvals are subject to credit review and final underwriting. If you find discrepancies with your credit score or information from your credit report, please contact Experian® or Equifax® directly. Commercial mortgages are not available in the state of California.

*Subject to underwriting and credit approval, not all applicants qualify for same day funding.