Working capital
Working Capital Line
Sans garantieUnsecured revolving line sized to your revenue — draw, repay and redraw as cash cycles demand.
- Taux indicatif
- 11.5% – 18.9%*
- Montant
- $50K – $2.5M
- Durée
- jusqu’à 3 ans
*Fourchette de TAEG indicative. Sous réserve d’approbation. Ne constitue pas une offre de crédit.
- Montant
- $50,000 – $2,500,000
- TAEG indicatif*
- 11.5% – 18.9%
- Taux représentatif
- 13.5%
- Durée maximale
- 36 mois (3 ans)
*À titre indicatif. Sous réserve d’approbation de crédit.
11.5% – 18.9% · jusqu’à 3 ans · Commission de mise en place 1%
Calculer les remboursementsThe 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.
Caractéristiques clés
- Revolving, revenue-based limit
- Pay interest only on what you draw
- No collateral required
Éligibilité
- 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
Utilisation des fonds
- Seasonal inventory
- Bridging receivables
- Payroll smoothing
- Supplier early-payment discounts
Engagements types
- 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
Calendrier de tirage
Revolving: draw and redraw any business day up to the available limit; annual review.
Term sheet indicatif
Conditions indicatives — Working Capital Line
- Emprunteur
- [Operating Co.]
- Montant
- Limit up to USD 2,500,000 (revenue-based)
- Durée
- 12-month revolving availability, renewable; term-out up to 36 months
- Tarification
- SOFR + 7.50% p.a. on drawn balance (indicative)
- Frais
- Arrangement 1.0%; commitment fee 0.5% on undrawn
- Sûretés
- Unsecured; negative pledge and financial covenants (DSCR ≥ 1.25x)
- Remboursement
- Interest monthly; principal repaid and redrawn freely
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