Working Capital for Established Businesses
Working Capital. For Established Businesses.
Short-term business capital from $10,000 to $400,000, for needs that will not wait. Built for established businesses with steady revenue.
About 2 minutes · No personal-credit inquiry · Instant answer
Plain talk
Not for everyone. Built for businesses like yours.
Crest Capital has financed equipment for American businesses since 1989. Working capital is the natural companion to that work: a short-term business loan that funds the work around the asset, the job, and the season, while your bank lines and cash reserves stay free. It is not a personal loan, and it is not startup funding. The table below will tell you in about a minute whether applying makes sense.
Funding range
Working capital loans generally run from $10,000 to $400,000, sized to your revenue, not to your wish list.
Terms
Up to 24 months. Short on purpose: this is bridge-and-build money, not long-term debt.
Payments
A fixed payment schedule, set before you sign, so the cost is known up front and easy to budget.
What we review
Recent business bank statements carry the most weight. Steady deposits matter more than collateral here.
Use of funds
Any legitimate business purpose. Payroll, materials, inventory, taxes, repairs, or an opportunity with a deadline.
Process
A short online application and quick answers. A streamlined process, not a bank committee.
The money should make you money: it finishes a job, stocks a season, covers a crew, or bridges receivables from net-60 and net-90 customers.
The one-minute filter
Is Working Capital a Fit for Your Business?
Working capital works best when the business is established and the money has a specific job. Here is the honest sorting.
| Likely a Fit | Probably Not a Fit | |
|---|---|---|
| Your business | Established, with consistent monthly revenue through a business bank account. | A startup or pre-revenue company. Working capital lends against existing revenue. |
| The money’s job | A specific, productive purpose that returns more than it costs. | Paying off other business debt. If most of the loan retires old borrowing, this is the wrong tool. |
| Amount and term | $10,000 to $400,000, comfortably repaid inside 24 months. | Long-term money. Multi-year asset purchases belong with equipment financing. |
| Repayment | The payment fits current cash flow, not hoped-for cash flow. | Revenue too irregular to support a fixed payment comfortably. Wait until it is not. |
| The borrower | A U.S. business borrowing for business purposes. | Anyone seeking a personal loan. Crest Capital finances businesses only. |
Where the money goes
What Do Businesses Use Working Capital For?
The pattern repeats across the industries we serve. Machine shops cover material and labor while waiting on progress payments. Contractors mobilize crews before the first draw arrives. Fleet operators cover fuel, drivers, and maintenance between settlements. Distributors stock ahead of their season. Manufacturers buy raw material at volume prices. Practices smooth out insurance reimbursement cycles. Different businesses, same math: short-term cash that returns more than it costs.
Payroll and crews
Cover crew costs while a large job ramps up.
Materials ahead of a contract
Buy supplies before the first invoice goes out.
Seasonal inventory
Stock for the push while cash is still in the field.
Tax payments
Handle payments that land at an inconvenient time.
Bridging receivables
Keep moving while net-60 and net-90 customers pay.
Time-limited buys
Discounted inventory, a competitor’s equipment, a bulk material deal.
Existing balances
Already Have a Working Capital Loan?
An existing balance does not automatically disqualify you. In many cases it can be considered and paid off as part of a new loan, with two ground rules. This is not a debt-consolidation program, and we will not dress one up as a working capital loan. And any payoff should leave you with meaningful fresh capital to put to work in the business.
Two ways to use it
On Its Own, or Alongside Your Equipment
Working capital on its own
Short-term cash for the job, the season, or the opportunity. Recent business bank statements do most of the talking, and the answer comes quickly.
Working capital + equipment financing
Buying a machine and need cash for rigging, installation, tooling, or training? We can often fund the entire project rather than just the asset. One relationship, one point of contact, and the whole job funded.
Explore equipment financing →Working capital FAQs
The Things Borrowers Ask Us Most
Working capital loans generally run from $10,000 to $400,000. The amount available is sized to your revenue and overall credit profile.
Up to 24 months, short on purpose. Working capital is bridge-and-build money. For multi-year terms tied to an asset, see equipment financing.
No. Crest Capital finances businesses only, and all financing is for business purposes.
No. Working capital is built on existing revenue, so pre-revenue companies have nothing yet to lend against. Once your business has consistent monthly revenue, we should talk.
Recent business bank statements carry the most weight. Healthy, consistent deposits matter more here than collateral or a stack of financial statements.
Any legitimate business purpose: payroll, materials, inventory, taxes, marketing, repairs, or a time-sensitive opportunity. The cash is not restricted to a specific purchase.
Often, yes. Two ground rules: this is not a debt-consolidation program, and any payoff should leave you with meaningful fresh capital for the business. If retiring old debt is the whole goal, this is the wrong product.
Yes. Working capital pairs naturally with equipment, vehicle, and software financing, so the whole project gets funded rather than just the asset. Start with the equipment and ask about adding working capital alongside it.
See Where You Stand
It takes about two minutes and there is no personal-credit inquiry. You will know quickly whether working capital makes sense for your business.
All financing is for business purposes only and is subject to credit review and approval. Funding amounts, terms, and availability vary with the overall credit profile of the business. Nothing on this page is a commitment to lend.