How It Works
Working capital loans are short-term financing solutions designed to help businesses like yours stay nimble. Whether you're navigating a seasonal dip, covering payroll, or restocking inventory, this loan puts flexible funds at your fingertips. Unlike traditional bank loans, our working capital options are designed for speed, simplicity, and real-world use. We work with you to match the best loan product for your specific needs.
Inventory
Purchase materials or goods ahead of demand to stay fully stocked during peak seasons or project surges.
Operations
Smooth over cash flow gaps so your day-to-day expenses, like utilities, rent, and vendor payments.
Equipment
Repair or upgrade essential tools and technology without waiting on profits or long-term financing.
Growth
Fuel marketing campaigns, new product launches, or location expansion with fast, flexible working capital.
Payroll
Cover wages on time and bring on new hires, even if client payments or seasonal dips delay your income.
Emergencies
Handle urgent costs like broken systems, compliance issues, or vendor penalties, without financial strain.
Rennovation
Refresh or repair your commercial space to enhance safety, functionality, or customer experience.
Seasonality
Bridge off-season slowdowns with funding that keeps your business running until volume returns.
Shortfalls
Recover from unexpected cash crunches caused by slow-paying clients, cost overruns, or delays.
Covering Payroll During a Slow Month
A commercial HVAC company hit a delay on a major project draw and faced payroll deadlines. A $75,000 working capital loan helped them meet payroll on time and stay on track, with repayment spread over three months as invoices cleared.
Launching a Product Ahead of Season
An ecommerce brand needed to fund inventory and ad spend for a spring collection launch. With a $200,000 working capital loan, they prepped inventory, ran paid campaigns, and met demand. All of this without dipping into reserves.
Is This Right for You?
Not sure if a working capital loan is the right fit? Here’s how to know if it aligns with your current business needs. This product is ideal for established operations that need fast, short-term support.
You want flexible repayment options
Our loans are structured around your cash flow, whether you prefer fixed payments or revenue-based terms, we’ll help you choose.
You prefer revenue-based repayment
Strong monthly sales show you're ready to handle financing. Even if your credit isn’t perfect, your revenue may qualify you.
You’ve been in business for 6+ months
We work with growing businesses, not just those with long histories. Six months of steady operations is often enough to qualify.
Loan Details
Here’s what to expect with a working capital loan from Capital Two. Simple terms, fast access, and funding that adapts to your needs.
$50,000 – $2,500,000
% of future receivables
1–2 business days
Not required
550+
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
