top of page

Working Capital Loans through Lends Well

Apply in as little as 6 minutes and hear from a dedicated loan specialist within one hour.


Term lengths between 6 months and 18 months


Factor rate as low as 1.152

Amount from $25.1K–$400K

Applying won’t affect your credit score!*

Why a Working Capital Loan?

Wondering if a working capital loan is right for your small business? If you want to increase your cash flow and don’t want to take on a long-term debt obligation, this working loan could be a good fit for you. You can use the funds for almost any business purpose. This includes taking advantage of new opportunities and covering unexpected expenses.

Our simple and straightforward application process can take less than 6 minutes. This allows you to focus on your business while your dedicated loan specialist takes care of the rest.


Since 2011, F has helped businesses in over 700 industries access the capital they need.

Over $10 billion lent to 50,000 small businesses globally.

Pros and Cons of a Working Capital Loan


  • You don’t need a perfect credit score to qualify

  • You can get access to financing quickly

  • You can use these funds to cover almost any business expense


  • Daily or weekly payments can make cash flow harder to predict compared to other financing options

  • Fees can be higher compared to other financing options

You deserve better business finance

Lends Well was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans.

Let's get started.


Start your online application

Apply online in 6 minutes with one simple application.


Review your options

Your dedicated Account Manager will contact you as soon as possible to review your needs and help you find the best funding option for your business.


Get funded

Get a decision in as little as 24 hours and funding as soon as the next day accepting an offer.

Working Capital Loan Frequently Asked Questions

1 If your business is organized as a general partnership, your credit score may be impacted.


2 Weekly payments for capital loans have different minimum qualifying criteria than the daily payment option.


3 Approval and funding times may vary between lending partners.


4 Fee is waived for 6 months if a $5,000 initial draw is made within 5 days of opening account.


bottom of page