Access $5K to $1M+ in working capital -- no collateral, no red tape.
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Businesses Funded
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Why Working Capital
Working capital is money your business can use for anything -- payroll during a slow month, restocking inventory before a rush, covering a gap between an invoice going out and getting paid, or simply having a cushion so a single slow week doesn't turn into a crisis.
Unlike a loan earmarked for one specific purchase, working capital is unrestricted. You decide where it goes. That flexibility is what makes it the most commonly used type of financing for small businesses that need capital quickly and can't wait weeks for a bank's approval process.
We match you with funding partners who evaluate your business based on real revenue and cash flow, not just a credit score. That means businesses that don't qualify for a traditional bank loan often still qualify here.
Funding Solutions
Multiple funding options tailored to your business. No one-size-fits-all, no cookie-cutter solutions.
Funding based on your business revenue, not your credit score. Repayment flexes with your cash flow -- you pay more when business is booming, less when it slows.
Government-backed loans with the lowest rates and longest terms available. Ideal for established businesses looking to expand, purchase equipment, or refinance debt.
Traditional business loans with fixed terms and predictable payments. Plan ahead with confidence knowing exactly what you owe every period.
Short-term capital to bridge a gap -- waiting on a contract, invoice, or seasonal uptick? We'll get you there.
Simple Process
From application to cash in your account. No hoops, no hassle.
Fill out a quick form -- no long paperwork, no hard credit pull. Just the basics about your business and what you need.
Our network of funders competes for your business. You'll receive multiple offers with different terms -- pick what works for you.
Accept your offer and funds land directly in your business account, often within 24 hours. Start putting capital to work immediately.
Who We Serve
We work with businesses across virtually every vertical. If you generate revenue, we can help.
Testimonials
Real results from real businesses we've helped fund.
Payroll was due and a client payment was three weeks out. Apex got us working capital in two days so we never missed a check.
HVAC Company Owner
Home Services Industry
$45,000
FUNDED
We needed to restock before our busy season hit and didn't have six weeks to wait on a bank. Apex had funds in our account in 48 hours.
Retail Shop Owner
Retail Industry
$95,000
FUNDED
Our credit wasn't great coming out of a rough year, but our revenue was strong. Apex looked at the whole picture and got us funded when the bank wouldn't.
Landscaping Company
Landscaping Industry
$120,000
FUNDED
Qualifications
No perfect credit required. If your business is generating revenue, there's a strong chance we can help.
Time in Business
6+ months
Monthly Revenue
$10,000+
Credit Score
500+
Industry
Most accepted
Join hundreds of business owners who got funded through Apex Working Capital. Quick quiz, fast approval, real results.
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