See how we can help you and your small business!

Growing your small business on your own can be very difficult without access to additional business funding. One of the most common ways to raise working capital for your business is through a business loan. At Pacific Working Capital, we want to help you and your small business thrive and can provide you with access to small business loans with funds sent in as quickly as two business days.*

Certain transactions in California may fall under CA Lender/Broker License requirements. Please check with your representative for eligibility.

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Whay the Loans Through Pacific Working Capital Unique?

Pacific Working Capital is the market share leader in alternative small business finance. We work hard to get your business approved for funding because we know how important it is for you and your small business. Furthermore, we can provide you access to the capital your business requires with speed. Not only can you complete the entire loan application online in a matter of minutes, but your business can have funds can then be sent out within two days*. Finally, we provide such great service that over 70% of our eligible customers renew with Pacific Working Capital

Here Are Some of the Basic Requirements for Approval

You may qualify for a loan if:

  • Pacific Working Capital has a monthly gross revenue of $4,500 or more.
  • Pacific Working Capital's monthly revenue is relatively stable.
  • Pacific Working Capital has been in operation for at least 4 months.


How much can my small business get?

Pacific Working Capital can help you access very small to very large small business loans: from $2,500 up to $150,000** for single location businesses and up to $250,000 for multi-location businesses. These loans also have a range of terms from 4 to 24 months. That means your small business can access a short-term loan for inventory, for example, then sell your merchandise and pay off the loan quickly. Or, you can get a longer-term loan and take your time paying back what your business borrowed.

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How fast can my small business get a loan?

How fast can my small business get a loan?

Pacific Working Capital provides access to fast business loans. Our end-to-end online business loan application is quick and easy and business funds are sent in as little as 2 business days upon approval. Get prequalified for a business loan online or over the phone in ten minutes or less!

What can my small business use the loan for?

You have the freedom to use your small business loan for almost any business related need including but not limited to:

  • Assets:
    inventory, tools,equipment, vehicles, and technology
  • Improvements:
    research and development, business expansion, renovations, and general upgrades
  • Regular Expenses:
    payroll, inventory, taxes, accounts payable and advertising


Regardless of the services you'll use, you'll find a few differences of going through Pacific Working Capital:

  • No checks! A small, fixed amount is automatically deducted from your business bank account each weekday.
  • No personal collateral needed.
  • We use the metrics of your business and its health to determine capital qualifications.
  • Funding is fast enough to cover unexpected expenses.