
Working capital is essential to keeping your business running smoothly and scaling efficiently. Whether you need to cover payroll, inventory, marketing, or unexpected expenses, our advanced working capital loans provide fast funding based on your real-time business performance—not just your credit score. Many businesse
We work with a network of lenders who offer working capital financing for businesses that meet simple qualification criteria. This allows many companies that may not qualify for traditional bank loans to still access the funding they need to grow.

You can qualify for our top financing options with as little as 3+months in business with quick application and approval process

The minimum revenue to qualify for financing options are $10K per month, or $120K in annual gross sales.

We have financing options for all credit profiles. There is no minimum FICO score required to apply.
LCA identifies and represents only the most reputable capital providers. We provide capital faster than a traditional bank with less intensive qualifications. Your revenue is valued most, rather than your credit score.
Our pricing is simple and transparent. You will be shown total advance plus total cost. The Big Banks rarely share the total cost of the capital. We will show you how much you can receive and what the total payback will be.
Working capital financing gives businesses fast access to funds for everyday operations. Instead of relying only on credit scores or collateral, many programs focus on business revenue and cash flow. This makes working capital funding a practical option for companies that need quick, flexible capital.
Many programs evaluate your business based on cash flow and overall performance rather than relying solely on personal credit scores.
Our team works with you to review available options and help identify funding solutions that best fit your business goals.
You are set up with regular fixed payments so that you don’t have to worry about surprise obligations.
We believe in transparency. Most working capital solutions show the total repayment cost up front, so you know exactly what to expect.
With a 6 month term, your total cost can be as low as 18¢ per dollar.
Average cost is 30¢ (eg: borrow $10,000, pay back $13,000).
Typical funding amount is $40,000.
With a 12month term, your total cost can be as low as 18¢ per dollar.
Average cost is 35¢ (eg: borrow $10,000, pay back $13,500).
Typical funding amount is $80,000.
With a 24 month term, your total cost can be as low as 20¢ per dollar.
Average cost is 42¢.
Typical funding amount is $130,000.

0%-5% of capital for your first funding (deducted from your capital advance at the time of funding).
Example: $100,000 funding with 2% fees. $2,000 fee would be deducted from the funding, so $98,000 would be wired to you.

Eligibility for the lowest prices shown above are reserved for customers with the strongest cash flows and credit profiles. Returning customers with strong credit profiles and excellent payment history on prior capital products may also qualify for premier rates and early payoff discounts.
Please schedule a call with us if you cannot find an answer to your question.
A working capital loan provides short-term funding that businesses can use to manage everyday operating expenses such as payroll, inventory, marketing, and other business costs.
Funding amounts typically range from $5,000 to $2,000,000, depending on your business revenue, time in business, and overall financial profile.
Many businesses can receive approval within hours, and funding may be deposited in as little as 24 to 48 hours after final approval.
Many working capital funding programs do not require collateral, allowing businesses to access capital without pledging property or equipment.
Many funding programs start with a soft credit inquiry, which does not impact your credit score during the initial review process.
Businesses often use working capital funding to cover payroll, purchase inventory, invest in marketing, expand operations, or manage temporary cash-flow gaps.
Complete Our 100% online application by clicking below.
During the online application process, you will upload 4 months of bank statements (PDF), a voided check, and a copy of your driver's license.
We will provide you with the best funding offers. Once accepted sign your contract and have funds wired to you within 24 hours
Leonard Capital Advance