What is Working Capital and what are the different types?

Working capital allows you to scale faster, improve your bottom line, and increase your profitability. With our working capital solutions, you can increase marketing and advertising spend, expand to new markets, and/or stock up your inventory.

We offer you multiple options depending on how you want to take control of your cash flow: credit limit or revenue advance.

1) Credit Limit

Working Capital solution option with limits $1,000,000+ based on your business size and performance, among other factors.

Clients have the flexibility to withdraw funds as needed if the amount withdrawn is at least $5,000. Each withdrawal is then considered a separate term loan with its own duration between 3-12 months, at the discretion of the seller, and accrues its own interest. Interest-only payment options are also available. Rates as low as 14.99% to 24.99% APR

For example:

You could be approved for a Credit Limit with a $50,000 limit based upon your business performance. You are then able to withdraw individual term loans as needed under that limit. The withdrawals must be in at least $5,000 increments. Each term loan has its own repayment period between 3-12 months that you select.  

2) Revenue Advance

Revenue Advance is a purchase of receivables. SellersFunding uses its technology to predict your next 3-6 months of marketplace payments and advances the amount to you right away. Revenue Advance starting at rates as low as 3% 

For example:  

You sold $100k in 30 days, so our model forecasts $300k in the next 90 days 

We forecast your payments to be 15% of the $300k sales = $45k advance 

We charge a 5% fee = $45k * 5% = $2.25k 

You'll receive a deposit of $42.75k ($45k - $2.25k)