01
Monthly deposits set the ceiling.
Many programs look for around $35,000 a month in deposits, and can fund up to roughly $350,000 in Canada on a first round.
Working capital route
Keep the job moving when cash lands late.
You made payroll and bought materials this week, but the money for the work is still weeks out. Working capital covers that stretch — payroll, fuel, rent, insurance, a supplier who needs paying now — so a tight few weeks doesn’t stall the job.
No credit pull to startBuilt for operating gapsReal person review
3–18month repayment range commonly used for short-term operating needs
Same dayfunding possible on unsecured files once bank statements are ready
$0collateral required — working capital is not asset financing
P
Payroll before receivables clearCover crew costs while completed work waits to be paid.F
Fuel and jobsite movementKeep trucks, crews, and projects moving through a tight week.M
Materials and supplier pressureBridge deposits, material buys, and vendor terms on active jobs.R
Rent, insurance, overheadHandle normal operating costs during slow or uneven cash months.S
Seasonal ramp-up costsFloat the busy-season build before revenue catches up.Right tool, right pressure
Working capital is for timing gaps, not broken math.
Used well, working capital covers money going out before money comes in. Used badly, it hides a profit problem and adds another payment to the pile.
PressureBest routeWhy
Job is active, materials due nowRevenue is expected from the job or progress billing.
Working capitalOperating bridgeInvoice is issued but customer pays slowThe money exists on paper, but not in the account yet.
Invoice financingReceivable bridgeSeasonal swings happen every yearYou need repeat access, not a one-time emergency.
Line of creditRecurring bufferBuying a truck, trailer, or machineThe equipment itself can support a longer asset-financing structure.
Not this pageAsset financingLender fit
The file is sized around cash flow.
Working-capital lenders care less about what equipment you own and more about what your business deposits, how long you have operated, and whether the repayment story makes sense.
Revenue first
02
Time in business shapes the risk.
A year or more in business is a common baseline, so lenders can read the bank-statement pattern and revenue trend.
03
Existing payments change the route.
Current debt, daily pulls, tax pressure, and uneven revenue all affect which funding partner may fit.
The cheapest headline is not always the safest payment.
Working-capital offers can be quoted as an interest rate, a factor rate, a fixed fee, or a short-term remittance structure. What matters is the total dollar cost, the annualized cost, and how often payments are pulled.
Total paybackPrincipal + fees + any extras
Payment rhythmDaily, weekly, or monthly
Real use of fundsWill the cash protect or produce revenue?
Funding timeline
Speed usually depends on document readiness.
For unsecured working capital, the timeline is often driven by recent bank statements. Secured options usually take longer because collateral or security documents need more review.
Step 1
Start the file
Answer a few questions about the business, the gap, and the timing.
Step 2
Read the cash flow
Statements and deposits help show what the business can support.
Step 3
Route the request
Crewline matches the pressure to a working-capital, invoice, or credit route.
Step 4
Review next steps
A real person follows up with the path that may fit your file.
Before accepting an offer, compare the real numbers.
Headline rate or factorNot enough alone
Total dollar costMust be clear
Payment frequencyDaily pulls can hurt cash flow
Prepayment rulesCheck before signing
Origination or admin feesInclude in comparison
FAQs
Questions people ask before they apply.
What is a working capital loan?
Short-term financing for day-to-day operating costs — payroll, fuel, materials, rent, or insurance — usually repaid from incoming revenue over 3–18 months.
Can I get working capital with bad credit?
Often, yes. Many alternative lenders weigh cash flow and business deposits heavily, so a perfect credit file isn't the only path — programs commonly start around a 500 credit score.
How fast can funding happen?
Unsecured files can move quickly — sometimes the same day — once recent bank statements and basic business details are ready. Secured files usually take longer.
Is this different from equipment financing?
Yes. Working capital covers operating costs. Equipment financing is for trucks, trailers, machines, and assets that support a longer-term loan — that routes to our sister brand, IronFinance.
Start with the gap
Tell us what is due before the money lands.
The Crewline intake starts with a few questions about your business, your cash-flow pressure, and the timing of the money coming in. No credit pull to start.
Start the 5-minute checkCompare invoice financingCrewline is a referral and matching service, not a lender. Approval is not guaranteed.