Small Biz Heroes

Working Capital

Get approved for working capital with Small Biz Heroes. Our working capital program can get cash in your business bank account in under 24 hours, so you can have access to fast cash when you need it.

If you need cash fast to grow and enhance your businesses, working capital could be the perfect solution for businesses with no credit history. You can receive money as soon as tomorrow, without any collateral needed!


$5K – $5 Million



3 – 24 Months



As Little As 1 Day

How It Works

Working capital or revenue based financing enables you to borrow against future earnings and get the cash you need right away.


Credit and Time in Business

475 Minimum FICO for Approval
Must have at least 6 months time in business



Deposits Per Month

Business must make at minimum 4 deposits a month and be averaging over $10,000 in gross monthly sales.



Negative Days Per Month

No more than 6 negative days per month unless you accept credit cards.

Who Qualifies For Working Capital?

Merchant cash advances are a short-term solution to your financing needs. This is perfect for businesses that rely on credit card payments, such as small businesses, restaurants and retail stores. They can help with working capital, inventory purchases, debt repayments or unexpected expenses, among other things!

Documents You Need

  • Bank Statements: You need at least 3 months of recent bank statements for each separate account you have so providers make an educated guess on what kind of shape things are in financially.
  • Most recently filed Business Tax Return if your have one: This allows us to determine how we can bridge you into better programs in the future.
  • Driver’s License and Voided Check: We ask for these to make sure your information is correct on all documents.
  • Other Documents: These may include business licenses, Articles of Incorporation, financials, commercial leases, or franchise agreements.

An Easy Way to Get Funds For Your Business

Working Capital is an easy and fast method to get your business cash advance without the need for collateral, regardless if you do not currently have a good credit score.


Minimal Paperwork


Easy Approval & Fast Funding


Bad Credit Accepted


Prepayment Discounts for Early Payoff

Let’s Get You Funded

We help your business grow and can even secure start up funding.

What do you qualify for?

Getting the right business loan is a lot easier than you think. We help you identify exactly what you qualify for and what program is going to be the best fit to suite your specific needs. See what you qualify for today completely risk free!
**Secure E-Sign Application - Applying won't impact your credit score.

Must have a Business Bank Account for most programs

Both location and operation of Business must be in the United States of America or Canada

Must not have an open bankruptcy

No default history with lenders within the last year