Working Capital Financing:

Flexible Capital When Timing Matters

When opportunities or obligations won’t wait, working capital financing provides fast access to funds without the lengthy process of traditional bank loans. Kovos Capital connects established businesses with flexible short-term capital solutions through our network of premier lending partners — so you can cover immediate needs, manage cash flow gaps, or seize growth opportunities while preserving longer-term financing options.

What Is Working Capital Financing?

Working capital financing (sometimes structured as a merchant cash advance or revenue-based facility) gives businesses an upfront capital advance that is repaid through a percentage of future sales or revenue.

This solution is designed for speed and flexibility. It typically requires less collateral than traditional loans and can be a practical option when timing is critical — whether for payroll, inventory, seasonal gaps, or unexpected expenses.

Commonly used for:

Payroll and Operating Expenses
Inventory Purchases
Marketing and Growth Initiatives
Bridging Temporary Cash Flow Gaps
Taking Advantage of Time-Sensitive Opportunities

BEST FOR:

Established Small & Mid-Sized Businesses
Seasonal Businesses
Service-Based Companies
Retail Businesses
Businesses with Temporary Cash Flow Shortages

Key Advantage: Fast Access to Capital with Minimal Paperwork vs Traditional Financing

Term Loan Pros & Cons

Pros:

Quick and Simple Application Process

Low Credit Scores Are Accepted

Payment Discounts for Early Payoff

Cons:

* Annual costs that can be higher than traditional loans

* Designed for short term needs, bad fit for long term financing

* May require a personal guarantee

Easy Tailored Process

1. Apply — Quick & Easy 15 minute Application

2. Review — Our team evaluates your trajectory and matches you with the best terms from our 100+ lenders

3. Approve & Fund — Receive funds quickly once approved. As soon as 24 hours.

4. Repay — Daily/Weekly/Monthly

Working Capital Requirements

* Annual Revenue over $200k

* Credit Score over 500+

* Time in Business 6+ Months

* Any Industry

Documents Needed to Apply

1. Completed Application

2. Drivers License

3. Voided Business Check

4. Business Bank Statements (last 4 months)

5. Credit Score

You may also be asked to provide the following, for larger dollar amounts over $100k

* Balance Sheet

* Profit and Loss Statements

* Business Tax Returns

* Personal Tax Returns

Our Approach

While we can accommodate a range of funding sizes, Kovos Capital focuses on providing clean, well-structured working capital solutions for established businesses. Whether you need shorter-term capital to manage cash flow or are preparing for larger equipment and expansion financing, we help you select the right tool for the situation — with transparency, speed, and a focus on your longer-term goals.

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STILL NOT SURE?

Frequently Asked Questions

How fast can I get funded?

Decisions are usually made within hours and funding within 24-72 hours

Can I use it for debt refinancing?

Yes, however we would really look for more favorable options

What can Working Capital be used for?

Working Capital is very flexible and can be used for most anything. Commonly used for payroll expenses, inventory purchases and unexpected business expenses.

Is there prepayment penalty?

Varies by lender — many offer discounts for early payoff.

Serving businesses nationwide with local expertise in Nevada, California, and Pacific Territories. Kovos Capital — Your Partner in Growth.

Proven Service, Tailored Funding Solutions

Competitive & Flexible Terms

We shop multiple preferred lenders so you get highly competitive rates, fixed payments, and flexible terms that actually fit your business — not just what one bank offers. Our goal is to deliver better value and more options than traditional institutions.

Relationship-Based Service

At Kovos Capital, you work with real people who take the time to understand your business goals. We provide personalized guidance through the entire process — from pre-qualification to funding — with high-touch support and transparent communication every step of the way.

We Welcome Referrals

If you’re a CPA, business consultant, equipment dealer, or industry professional, we’d love to partner with you. Our referral program is mutually beneficial with strong support and competitive payouts. Contact us to learn how we can work together to help more businesses succeed.

Kovos Capital provides access to premium working capital through our strategic partnerships. Kovos Capital is a business consulting and brokerage firm, not a direct lender. Funding is provided by third-party partners. By submitting your information, you agree to our Privacy Policy and Terms of Use. We will contact you regarding your inquiry.