Working capital
Working Capital Line
No collateral requiredUnsecured revolving line sized to your revenue — draw, repay and redraw as cash cycles demand.
- Indicative rate
- 11.5% – 18.9%*
- Amount
- $50K – $2.5M
- Tenor
- up to 3 yrs
*Indicative APR range. Subject to credit approval. Not an offer of credit.
- Amount
- $50,000 – $2,500,000
- Indicative APR*
- 11.5% – 18.9%
- Representative rate
- 13.5%
- Max tenor
- 36 months (3 yrs)
*Indicative only. Subject to credit approval.
11.5% – 18.9% · up to 3 yrs · Arrangement fee 1%
Calculate repaymentsThe Working Capital Line is an unsecured revolving facility sized as a share of your trailing revenue, so the limit grows as your business does.
Draw when you need to fund payroll, inventory or receivables gaps, repay as customers pay you, and pay interest only on the balance outstanding.
Key features
- Revolving, revenue-based limit
- Pay interest only on what you draw
- No collateral required
Eligibility
- 12+ months of trading history
- Monthly revenue of at least USD 40,000
- Consistent bank-statement cash flow
- Clean KYC/AML and beneficial-ownership disclosure
Use of proceeds
- Seasonal inventory
- Bridging receivables
- Payroll smoothing
- Supplier early-payment discounts
Typical covenants
- Limit up to 15% of trailing-12-month revenue
- Monthly revenue reporting (bank-feed link accepted)
- Negative pledge on operating accounts
- Minimum DSCR 1.25x tested annually
Draw schedule
Revolving: draw and redraw any business day up to the available limit; annual review.
Indicative term sheet
Indicative terms — Working Capital Line
- Borrower
- [Operating Co.]
- Amount
- Limit up to USD 2,500,000 (revenue-based)
- Tenor
- 12-month revolving availability, renewable; term-out up to 36 months
- Pricing
- SOFR + 7.50% p.a. on drawn balance (indicative)
- Fees
- Arrangement 1.0%; commitment fee 0.5% on undrawn
- Security
- Unsecured; negative pledge and financial covenants (DSCR ≥ 1.25x)
- Repayment
- Interest monthly; principal repaid and redrawn freely
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