Flexible Financing Solutions to
Keep Your Business Moving Forward
Get Your First Funding in as Little as 5 days
Invoice Factoring | SBA Loans | Business Lines of Credit | Merchant Cash Advance | More
FEATURED IN:





Banks Turn Down
Good Loans
All The Time
As a non-bank finance company, we can provide you with out of the box thinking and creative financing options. Our staff has over 20 years of experience in the lending industry and a strong network of lending partners, we can get you the cash you need without the hassle and wasted time of dealing with a traditional bank, and without the high fees of working with a fly-by-night merchant cash advance funding company.
We are ethical, transparent, and will offer you financing options with the benefit of your business in mind. We won’t put you into a loan, line of credit or financing product that we feel may be detrimental to the health of your business. Our goal is to see your business not just survive, but grow and thrive!
Did you know that banks approve less than 10% of loan applications?
Perhaps you’ve been turned down yourself despite your great personal and corporate credit.
We’re a Different Kind of Finance Company.

As a non-bank finance company, we can provide you with out of the box thinking and creative financing options. Our staff has over 20 years of experience in the lending industry and a strong network of lending partners, we can get you the cash you need without the hassle and wasted time of dealing with a traditional bank, and without the high fees of working with a fly-by-night merchant cash advance funding company.
We are ethical, transparent, and will offer you financing options with the benefit of your business in mind. We won’t put you into a loan, line of credit or financing product that we feel may be detrimental to the health of your business. Our goal is to see your business not just survive, but grow and thrive!
Experience The
Working Capital
of America
Advantage
Avoid the hassle and annoyances of working with a typical bank and experience all of these great benefits.
Benefit | WCA | Typical Bank |
Up to $5 Million Line of Credit | Varies | |
No Minimum FICO | ||
48-72 Hour Underwriting | ||
Dedicated Account Manager | ||
Streamlined Funding & Underwriting | ||
Back Office Accounts Receiveable and Collections Department | ||
Hidden Fees | Varies | |
Personalized Service From a Local Company, Where You’re More Than Just a Number |

Working capital of America
Application Turned Down By The Bank? No Problem.
62% of our applicants get funded through the WCA Accounts Receivable Financing program or our partner network. If you are an established US-based business that does $250K+ in revenue monthly, you have good credit, good financial and accounting records, than you’re in a great position to work with us.
Some of the industries we serve:
- Construction Factoring
- Staffing Companies
- Wholesale and Distribution Companies
- Manufacturing Companies
- Local, State and Federal Government Contractors
- Oil & Gas Service Companies
Quick and Simple Approval Process
Get Underwriting Approval in as Little as 72 Hours and First Funding 48 Hours Thereafter.
We move at the speed of business, not a bank. No overly complicated loan application or lengthy approval process. Just fill out our 30-second online application and you can expect an expert business financing professional to reach out to you within 24 hours.
STEP 1

Apply for a Loan
Fill out a brief online application that provides a brief overview of your business and let us know what type of financing you are looking for.

STEP 2

Chat With Us
Have a free 30 minute phone consultation to gather information and find out what documents and information will be needed to complete the initial underwriting process.

STEP 3

Get Approved
Get underwriting approval in as little as 72 hours. You’ll receive a simple 2 page term sheet at the time of approval, and once signed, we move into the final closing and funding stages.
Choose Your Perfect Funding Solution
Since we aren’t a bank, we can provide you with a much wider range of creative financing options to suit the needs of your business. Here are just some of the financing options we offer:
Invoice Factoring
Are you waiting 30, 60, 90 or more days to get paid by your customers? Do you need more working capital and operating liquidity than your bank is able to offer? Then a Factoring Line of Credit based on your Outstanding A/R may be the best choice for you.
- Minimum 12 Months of time in business.
- No minimum Credit Score (600 or above preferred).
- Min $25,000 Monthly Revenue.
- Up to $5,000,000 Line of Credit based on outstanding A/R.
- Term Length: 12 Months with renewal options.
- Cost (or Rate): Starting at 8% APR.
- Initial Pre-Approval: 2-3 Business Days.
- Funding Timeline: 5-10 Business Days.
SBA Real Estate Loans and Commercial Lines of Credit (Commercial Real Estate (SBA 504 Program) and Working Capital (SBA 7A Program)
The SBA 504 or SBA 7A programs are great options for established companies looking to purchase real estate, equipment, or obtain working capital. WCA staff are experts at SBA financing. We have a team of bank and lending partners that can close your SBA loan in a timely, and cost efficient manner.
- Minimum 2 years of time in business.
- 650 or Better Personal Credit Score.
- Minimum Loan amount $125,000 for SBA 504 Program.
- Minimum Loan amount $50,000 for SBA 7A Working Capital Loan.
- Max Approval: Up to 5 Million SBA 7A Program.
- Max Approval: up to 20 Million for SBA 504 Program.
- Term Length: Varies; up to 25 years.
- Starting at 4.95% APR (subject to market rates).
- Funding Timeline: 60-90 Days.
Business Lines of Credit
A true revolving line of credit based on the financial strength of the borrower and the company. Only use the capital you need, when you need it. Repayment terms can be weekly or monthly.
- 6 Months minimum length of time in business.
- 620 Personal Credit Score.
- $15,000 Monthly Revenue.
- Approvals up to $400,000.
- Term Length: 6-36 Months.
- Cost (or Rate): Starting at 6.99 % APR.
- Funding Timeline: 4-7 Business Days.
Merchant Cash Advance
This is the absolute quickest way to get a cash infusion into your business. Requires less documentation than any other type of loan or line of credit, but at a higher cost to the borrower. Offered by WCA with the lowest possible rates and full transparency regarding costs and fees.
- 3 months Min length of time in business.
- Personal Credit Score 520 or better.
- Monthly Revenue $10,000.
- Max Approval: Up to $500,000.
- Term Length: 3-18 months.
- Cost (or Rate): .12-.42 cents on the dollar.
- Initial Pre-Approval: 2-3 Business Days.
- Funding Timeline: 1 Business day.
Business Owners Are Excited About
Working Capital of America
WCA, has been a tremendous asset to our company. We were able grow our business 30% within a year after getting approved for their business line of credit.

Without a PO Financing line of credit in place from WCA, we would not be able to fulfill the orders for our biggest client. Thank you Alex and the entire crew at WCA.

My company does 10+ million in annual revenue, we had been banking with our local bank for 8+ years. We were devastated when they declined to extend a working capital line of credit. The president of WCA personally worked on our application and had us funded within a week! Thank You for saving our company from disaster.

There are a number of business loan companies out there that are much more expensive. With WCA, I was able to get much better rates than my bank and I paid down another loan saving my company thousands per month.

Our Clients Work With Some of
the World’s Leading Brands









Keep Your Business Moving Forward.
Get Started Now!
Prefer to Speak with Someone Now? Give Us a Call:
(630) 536-6160




