Working Capital Loans
Market Direct Capital helps businesses access private working capital financing from direct lenders, family offices, and private equity funds. We focus on fast evaluations, flexible structures, and clear next steps so you can meet operational and growth needs without disruption.
Where private working capital fits
Ideal for short-term needs, seasonality, or opportunities that cannot wait for traditional bank timing.
- Growth initiatives: Marketing, hiring, expansion, and new locations.
- Inventory and operations: Stocking, production, and supplier deposits.
- Contract-driven needs: Fulfill new orders or bridge receivables timing.
- Refinance high-cost obligations: Payoff advances or consolidate daily payments.
- Bridge to SBA: Private capital for 6 to 36 months while preparing for SBA eligibility.
Program structures
We structure working capital around cash flow and repayment ability, not just credit score.
- Term range: 6 to 36 months, depending on profile and collateral.
- Repayment: Monthly or weekly, with interest-only or fixed amortization options.
- Security: Real estate, equipment, or unsecured based on strength and plan.
- Funding speed: Commonly 3 to 10 business days once documentation is complete.
- Flexibility: Combine with other programs like bridge or SBA when appropriate.
What lenders review
Private capital lenders evaluate the full business story to determine capacity and structure.
- Cash flow: Revenues, gross margins, and recurring income stability.
- Bank statements: Average balances, deposit frequency, and seasonality.
- Financials: Profitability trends, AR/AP, and use of proceeds alignment.
- Collateral (if applicable): Real estate or equipment used to strengthen the file.
- Credit profile: Considered for pricing; subprime accepted case by case.
Process
The process is designed for speed, with minimal documentation and clear communication.
- Read-out: Outline business goals, revenue, and use of funds.
- Packaging: Submit financial snapshot, bank statements, and basic documentation.
- Approval: Confirm terms, repayment structure, and any collateral requirements.
- Funding: Receive clear closing instructions and funding confirmation.
Related programs
- Revenue-based financing for remittance flexibility.
- Equipment financing for purchases, refinance, or sale-leaseback.
- Asset-based lending for working capital tied to A/R or inventory.
- MCA to SBA transition for borrowers seeking long-term relief.
Quick checklist
- ✔ 3 to 6 months of business bank statements
- ✔ Recent financials and use of funds
- ✔ Revenue and cash flow summary
- ✔ Collateral info if available
- ✔ Desired term and repayment preference
Advantages of private working capital
- Speed: Quick evaluation and funding.
- Flexibility: Programs that fit your cash flow and timing.
- Accessibility: Subprime and nontraditional profiles considered.