Working Capital Business Funding

Ease Your Working
Capital Fears.

Working capital is one of the main concerns of every entrepreneur — especially for businesses just starting out or operating seasonally. Spartan Capital reviews your deposit and cash-flow statements to build a personalized financing plan, delivering the funds you need promptly without the burden of extensive paperwork or prolonged bank processes.

Apply Now → See How It Works
$10K–$250K
Credit Limit
24hrs
Setup Time
525+
Min. Credit
Revolving
Type
Get Pre-Qualified
Apply in minutes · No impact on your credit score
How long have you been in business?
Credit Score (Owner's Estimated)
Annual Revenue
$
Contact Information
*No hard credit pull · No commitment · Response in under 1 hour
🎉

Application Received!

A Spartan Capital advisor will contact you within 1 hour.

Up to $2M
Funding Available
24hrs
Avg. Time to Fund
65K+
Businesses Funded
$0
Collateral Required
Simple Process

How It Works

From application to funded in as little as 24 hours — here's exactly what happens.

📋
Apply & Get Approved

5-minute application. Get approved for your credit limit in 1 hour.

💳
Access Your Line

Draw funds instantly via your Spartan dashboard anytime you need capital.

🎯
Use Funds Your Way

Cover payroll, inventory, repairs — no restrictions on how you use the money.

🔄
Repay & Draw Again

Repay what you drew and your credit line replenishes automatically.

Perfect For

Who Is Working Capital Right For?

A LOC works best for businesses with variable or seasonal revenue who want flexible, on-demand access to capital without reapplying every time.

Seasonal Businesses
Draw during slow months, repay when revenue picks up. Perfect for cyclical businesses.
Growing Businesses
Seize opportunities as they come — new contracts, bulk inventory, emergency repairs.
Irregular Revenue
Draw only what you need, pay only on what you use — no fixed payment on unused credit.
Working Capital Gaps
Bridge gaps between invoices, cover payroll, or manage unexpected expenses easily.
Basic Requirements
Most businesses qualify — here's what we look for
Min. Monthly Revenue$10,000+
Time in Business12+ months
Min. Credit Score525+
Collateral Required✓ None
Hard Credit Pull✓ Never
Draw Fee✓ None
See If You Qualify — Free
Business owner
★★★★★
"

"Having a $150K credit line with Spartan changed everything. I used to stress about payroll during slow months. Now I just draw what I need and repay when jobs come in. Total game changer."

AL
Amanda Lee
Owner, Lee Staffing Group · Chicago, IL
$150,000
Total Funded
Line of Credit
Product Used
Get Started Today

Apply for Line of Credit
in Minutes

Join thousands of business owners who trust Spartan Capital for fast, flexible funding with no surprises.

Draw funds anytime, instantly
No draw fees — ever
Revolves as you repay
No fixed monthly payment on unused credit
Credit limit grows with your history
Get Pre-Qualified
No hard credit pull · Response in under 1 hour
No hard credit pull · No commitment · Funds as fast as 24hrs