Working capital
Working Capital Line
Sin garantíaUnsecured revolving line sized to your revenue — draw, repay and redraw as cash cycles demand.
- Tasa indicativa
- 11.5% – 18.9%*
- Monto
- $50K – $2.5M
- Plazo
- hasta 3 años
*Rango de TAE indicativo. Sujeto a aprobación de crédito. No constituye una oferta de crédito.
- Importe
- $50,000 – $2,500,000
- TAE indicativa*
- 11.5% – 18.9%
- Tasa representativa
- 13.5%
- Plazo máximo
- 36 meses (3 años)
*Solo indicativo. Sujeto a aprobación crediticia.
11.5% – 18.9% · hasta 3 años · Comisión de apertura 1%
Calcular pagosThe 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.
Características clave
- Revolving, revenue-based limit
- Pay interest only on what you draw
- No collateral required
Elegibilidad
- 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
Uso de los fondos
- Seasonal inventory
- Bridging receivables
- Payroll smoothing
- Supplier early-payment discounts
Covenants típicos
- 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
Calendario de disposiciones
Revolving: draw and redraw any business day up to the available limit; annual review.
Term sheet indicativo
Términos indicativos — Working Capital Line
- Prestatario
- [Operating Co.]
- Importe
- Limit up to USD 2,500,000 (revenue-based)
- Plazo
- 12-month revolving availability, renewable; term-out up to 36 months
- Precio
- SOFR + 7.50% p.a. on drawn balance (indicative)
- Comisiones
- Arrangement 1.0%; commitment fee 0.5% on undrawn
- Garantías
- Unsecured; negative pledge and financial covenants (DSCR ≥ 1.25x)
- Amortización
- Interest monthly; principal repaid and redrawn freely
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