About Working Capital Quotes
An independent record of what US business lenders publish about who they will lend to, built for the owner or finance lead of a small business that needs money against its own trading rather than against a house.
Why this site exists
Almost every lender in this market treats its eligibility bar as something you discover by applying. Applying is not free: it takes a day, it leaves a mark on your credit file, and a pattern of declines becomes its own reason to decline. Nine of the twenty-six lenders here publish enough for a borrower to know in advance whether the door is open. Writing down which nine, and exactly what they say, is the whole point of the site.
Who it is for
A business that has been trading between six months and ten years and needs working capital, equipment or its invoices funded.
A borrower with an imperfect credit file who wants to know which lenders have already said, in public, that they would look at it.
Anyone who has been told to just apply and see, and would rather read the criteria first.
What it does not do
- It does not rank lenders on merit. This venture's compliance position forbids presenting a paid or editorial ranking as a judgement of quality, and no lender has bought a place, an order or a description here.
- It does not invent a figure. Every number on this site is quoted verbatim from the lender's own page with the date it was read, and the quote is re-fetched and re-matched every time the record is rebuilt.
- It does not treat silence as a finding. A lender that publishes nothing is recorded as publishing nothing; a lender whose page could not be read is recorded separately again, and the two are never merged.
- It does not advise. We are an introducer, not a broker acting for you and not an adviser, and nothing here is a recommendation to take a particular facility.
- It does not charge you. We are paid by lenders for an introduction and never by the business making the enquiry.
What is on this site
11 guides, each with its sources on the page , 34 answers to the questions around them , and the comparison.
- Invoice factoring companies: Invoice factoring companies buy your unpaid invoices at a discount and collect them.
- Construction factoring: Construction invoice factoring exists as a separate product because a construction receivable is not really an invoice.
- Restaurant equipment: Restaurant equipment financing is the most common first borrowing a food business does, because a kitchen fit-out is a large single number arriving before the first cover is served.
- Trucking and haulage: Trucking business loans divide sharply by what the money is for.
- Transportation: Transportation covers a wider range of businesses than haulage alone: last-mile delivery, medical transport, coach and minibus operators, courier fleets, ambulance services and refuse operators all sit here, and they share one financial shape.
- Retail: Retail is the one sector where the lender can watch the revenue arrive.
- Bad credit: A bad credit business loan is not one product, it is the set of lenders whose published minimum is low enough to include you.
- No revenue yet: Every lender in this record that publishes a revenue minimum sets it between a hundred and twenty thousand and three hundred and fifty thousand dollars a year.
- Judged on revenue: Business loans based on revenue are underwritten on money moving through your bank account rather than on profit, assets or a plan.
- No collateral: Business loans without security are priced on the fact that if the business stops paying there is nothing specific to sell.
- Hispanic-owned business: It is worth being direct about this.
Where the figures come from
Lender eligibility minimums and per-product coverage verified against each lender's own published pages on 2026-09-09 by infra/ingest/hubs/workingcapitalquotes.com/ingest_lenders.py: every quoted figure re-fetched and matched verbatim (hash-pinned), every recorded absence re-asserted, and coverage evidenced by the lender's live product page.
Who answers for it
Joseph Ellul, operator of Working Capital Quotes. He answers for what this record says and for the decision to publish absences as carefully as figures. Write to hello@issafu.com.
Reach us
Contact for a question about the site, or enquiries@workingcapitalquotes.com. The legal terms are on Terms and Privacy.