Working capital, on the timeline the problem actually has.
Funding from $10,000 to $5,000,000 for payroll, inventory, or bridging a gap between what you have billed and what has cleared.
A lump sum now, repaid in small automatic increments
You receive the full amount up front. Repayment happens automatically — a fixed amount debited daily or weekly from your business checking account — until the agreed total is satisfied.
Because the payments are small and frequent rather than one large monthly hit, this product fits businesses with steady daily receipts: restaurants, retail, service companies, medical practices. It is the fastest money available to a small business, and it is priced accordingly.
| Amount | $10,000 – $5,000,000 |
| Term | 3 – 18 months |
| Payment frequency | Daily or weekly (ACH) |
| Speed to funding | As little as 24 hours |
| Collateral | None — personal guarantee and UCC-1 filing |
| Pricing model | Factor rate |
| Early payoff | Discounts available |
| Renewal | Eligible at 50% paid down |
Where this works — and where it doesn't
Every financing product is wrong for someone. Here is who this one is wrong for.
A good fit when
- You need money in days, not weeks
- Revenue is steady and deposits are frequent
- The use of funds pays for itself quickly — inventory you will sell, a contract you will bill
- Bank financing declined you or is taking too long
- You can comfortably absorb a daily or weekly debit
Look elsewhere if
- You are covering a shortfall with no plan to close it — this makes the hole deeper
- You already carry one or more advances (stacking is how businesses fail)
- Your revenue is lumpy and unpredictable — look at revenue-based financing instead
- You have 30+ days and decent credit — a term loan costs far less
- The purchase is a long-lived asset — equipment financing is cheaper
What it takes to qualify
How this is priced
Priced as a factor rate, not an interest rate
A factor rate is a multiplier applied to the amount advanced. Borrow $100,000 at a 1.18 factor and you repay $118,000 — total, regardless of how quickly you pay it off (before any early payoff discount).
This is the part that trips people up: a 1.18 factor over 6 months is not an 18% annual rate. Compressed into six months of daily payments, the effective annualized cost is substantially higher. That is not a trick — short, unsecured, fast money costs more. But you should see the number before you decide.
Every Longevity Capital offer states both: the total dollar repayment and the effective annualized cost. Factor rates on this product typically run from 1.10 to 1.45 depending on term, revenue stability and credit profile.
Working Capital FAQ
Legally, a purchase of future receivables rather than a loan in most states — which is why it is priced as a factor rate and why approval leans on cash flow rather than credit. Practically, you get a lump sum and repay a fixed total. The important difference to you is the cost structure, not the label.
It is the main thing to model before signing. On a $100,000 advance repaid over 12 months at a 1.18 factor, you would see roughly $460 leave your account every business day. Pull your last three months of statements and check whether that debit clears comfortably on your worst week, not your average one.
We will not stack on top of our own advance, and we advise against stacking generally — two daily debits against the same deposits is the single most common way a healthy business gets into trouble. If you need more, ask about a renewal or consolidating into a term loan.
If you retire the balance ahead of schedule, a portion of the unearned factor is forgiven. The exact schedule is written into your agreement — ask your advisor to walk through it before you sign, because the discounts vary meaningfully between funders.
The application does not. If you accept an offer, a hard inquiry may occur at final funding. The advance itself is a business obligation, though nearly all business financing of this type carries a personal guarantee, which means you are personally liable if the business cannot pay.
Compare other options
One application puts all six in front of you.
Revenue-Based Financing
Same speed, but payments rise and fall with your sales instead of staying fixed.
Business Line of Credit
If this is a recurring need rather than a one-time gap, a revolving line costs less.
Business Term Loan
If you can wait a week and your credit supports it, this is meaningfully cheaper.
See your working capital options
Ten minutes to apply. A decision in as little as four hours. No impact on your credit score.