Working Capital Loans
Working capital when you need it — funded in as little as 24-48 hours with some funding sources, for payroll, inventory, marketing, or bridging a slow season, without lengthy bank paperwork.
The short answer
Working capital financing is business financing for day-to-day operating needs — payroll, inventory, marketing, expansion, or a temporary cash-flow gap — structured as a term loan, line of credit, or another business-purpose program. Paradise Working Capital, a Hawaii-based broker, reviews the request with businesses and matches it to a participating funding source.
How This Program Works
Working capital financing is designed to help a business cover operating needs such as payroll, inventory, marketing, expansion costs, or a temporary cash-flow gap. The structure may be a term loan, line of credit, or another business-purpose program depending on the request and funding source.
12+ months in business
$15K+/mo revenue
FICO 500+ OK
All industries considered
Working Capital Loans Calculator
Move the sliders to see an educational funding estimate for this program. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
This calculator estimates potential Working Capital Loans funding based on desired amount, monthly revenue, and time in business, within this program's typical range of $10K – $2M. Estimates are for illustration only and do not constitute a loan offer.
Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score. All estimates require a completed application and the requested documents for full review. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
Need more information? Book a call with Kevin →
How It Works
The review begins with a complete form and the documents needed for the program. Timing depends on the request, the funding source, and how quickly the file can be completed.
Complete the Form and Documents
Tell us what you need, complete the application, and provide the business, financial, invoice, equipment, or property documents relevant to your request.
We Review the Full Picture
Once the requested information is in, a local advisor reviews the request and looks for potential program fits within our lending network.
Review Potential Options
If a potential fit is identified, we explain the next steps and any available proposal. The participating funding source makes the final decision.
Working Capital Loans — Frequently Asked Questions
How fast can I get funded?
Some of our funding sources can approve and fund in as little as 24-48 hours once a complete application and documents are submitted. Exact timing depends on the completed application, requested documents, program, and participating funding source — no specific timing is guaranteed.
What documents do I need to apply?
Typically: 3+ months of recent business bank statements, a government-issued ID, and basic business information. Additional documents may be requested depending on the program and funding source.
Will this affect my credit score?
Credit review requirements depend on the program and funding source. We will explain what is needed before a lender-level review.
Start Your Funding Review
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.