Fast, easy cash. How often can you say that?
Not often enough if you ask us.
Occasionally, opportunities for growth or unexpected expenses come up in your business and you need cash…fast! Whether you want to invest in materials to tackle a new job, renovate your space, break into a new market, refresh your website, or simply have some extra cash on hand for operating expenses (and more!)…Working Capital has you covered.
Consolidating Debt
Building Improvements
Cover Operating Expenses
Inventory & More
The term "working capital" can be confusing.
Here are answers to common questions we get.
Working capital is unrestricted cash you can use for your business.
Quick answer – virtually anything. Payroll and other operating expenses, office upgrades or renovations, inventory or materials, training and education, travel, advertising. We recommend you use it for business expenses, but we’re not here to judge. As long as you make your payments, we’re still friends!
They’re pretty flexible. You can opt for monthly, weekly, or even daily payments via auto ACH (bank withdrawal).
Nope! We’re completely transparent and you can pay off your loan at any time without penalty.
Not exactly, but it’s quite similar and can be structured a lot like a line of credit. Let’s pretend you’re approved for $50,000, but really only need $25,000 for a small remodel. We can structure your agreement to take the $25,000 cash deposit now, but leave the rest available should you want or need to use it later! You only make payments on what you use.
If you’ve had a recent transaction with Geneva Capital (in the last 12 months), you’re most likely approved! Contact Andy, and he can look up details from your most recent evaluation. If you’re new to Geneva (hi!) or it’s been a couple of years since your last transaction, apply here! Each application is reviewed individually and there’s no cost or obligation to apply.
We know finding capital can be tough as a start-up, so we do our best to help! If you’ve been in business 12 months or more, you may be eligible (pending credit approval). If you’ve been in business less than 12 months? While working capital isn’t an option, we do finance equipment purchases for start-ups!
We don’t have a flat rate we offer across the board. Personal and business credit plays a role in the cost of borrowing the funds.
The ins and outs of a working capital line.
Here is what you can expect from working with us.
No impact to your credit score.
We use a "soft pull" when you apply, so no "ding" to your credit!
Fixed payments.
Payments stay the same from beginning to end.
We're quick.
Funds are deposited as early as the next business day, pending approval.
No pre-payment penalties.
No fees if you pay off your loan early. We actually give discounts for it!
You've got options.
Terms range from 12–36 months and we can set up monthly, weekly, or even daily payment plans.
Cash for any use.
There are no restrictions on what you use working capital for.
Options for both current and new customers!
If you’re a recent Geneva Capital customer, you might already be approved! Shoot a message to Andy to find out! If you’re a new customer or haven’t done business with us in a while, simply fill out a no cost, no obligation application to get your approval amount!
Get a quick payment quote!
3 steps to financial freedom with working capital.
Get a FREE quote!
Fill out the inquiry form and we'll get you a no-cost, no-obligation quote.
Receive funds.
If all goes to plan, funds will be deposited in your account within a day.
Your Working Capital expert.
Whether you're planning a remodel, need cash on hand for operating costs, or have a big job you need to fund, I can help get you the capital you need.
Request a quote
Our goal is to make financing your business ventures as quick and simple as possible. There's no cost or obligation to finance with us...we just want to give you an idea of what the options are and what your monthly payment could look like. It's up to you where you take it from there!