Momentum Business Capital’s Working Capital offering is a great fit for businesses looking to cover daily expenses and keep their finances in order. Working Capital loans are typically short-term loans, ideal for businesses that need money fast and can pay the money back within months rather than years.

There are several different options for businesses seeking working capital. Short-term loans are the most common, in which funding is typically delivered in a lump-sum upfront. For such loans, repayment is required within 3-18 months, depending on the terms of the loan. Lines of credit are also available.

Our most popular repayment method employs what is known as a Merchant Cash Advance (MCA). With an MCA, businesses can be advanced a sum of cash which can then be paid back through a fixed percentage of daily credit card sales. This means that repayment is not necessarily a fixed amount from month to month, but rather varies with your businesses volume. MCAs are a great option for fast-growing businesses with frequent and unpredictable fluctuations in sales.

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