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Fuel your next move. Fast, flexible funding from $10K to $5M with approval in as little as 24 hours — built for businesses that don't wait.
Working capital advances provide immediate access to the funds your business needs to grow, hire, purchase inventory, or manage cash flow gaps. Unlike traditional bank loans, our advances are based on your business's revenue performance — not just your credit score.
Our network of institutional lenders competes for your business, ensuring you receive the most competitive terms available. With flexible repayment structures from 3 to 36 months and funding amounts up to $5M, we can structure a solution tailored to your specific needs.
The entire process — from application to funding — typically takes 24 to 48 hours. Your dedicated funding advisor handles everything: gathering documents, negotiating with lenders, and presenting you with clear, transparent offers.
Access up to $5M in working capital within 24-48 hours. No months of paperwork or waiting for committee approvals.
We evaluate your business on its actual performance, not just credit scores. Strong revenue can overcome imperfect credit.
Multiple institutional lenders compete for your business, driving better rates and terms than any single lender can offer.
Explore costs across different funding products. Adjust the sliders or pick a scenario below.
Factor rate varies by term length and business profile.
Est. Monthly Payment
$11,042
Total Repayment
$132,500
Cost of Capital
$32,500
Factor Rate
1.32x
Effective Ann. Rate
32.5%
This calculator provides estimates for illustrative purposes only. Actual rates, terms, and eligibility depend on your business profile, credit history, and lender underwriting. Apply to receive a real offer.
See why 10,000+ businesses chose Creative over traditional financing.
Don't have all of these? Apply anyway — our team will work with you to find a path forward.
“We needed $500K for a new commercial project and Creative Capital had the funds in our account within 48 hours. The process was seamless — our advisor walked us through every step. We've since funded three more projects through them.”
Marcus Thompson
CEO, Thompson & Co. Construction
“What impressed me most was the transparency. No hidden fees, no surprises. Our funding advisor laid out every option clearly and let us choose what worked best. We secured $150K in working capital and reinvested it into hiring — best decision we made all year.”
Jennifer Walsh
Managing Director, Walsh Digital Agency
“As a seasonal business, traditional banks wouldn't touch us. Creative Capital looked at our actual revenue patterns and structured a solution that works with our cash flow cycles. They funded us $200K, and the flexibility has been incredible.”
Angela Martinez
Founder, Luxe Event Group
Apply in 5 minutes. No credit impact. A funding advisor will be in touch within the hour.
Takes 5 minutes. No credit impact. No obligation.