• 11258 S Route 59, Naperville IL 60564
  • 1(630)536-6160

10+ Years

Lending Experience

Family owned

and operated in the USA.

Leading Provider

of Business Working Capital Solutions
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Helping you take your business to next level!

We are a world-class team of Finance and Banking Professionals
Specializing in Working Capital Solutions.

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Can’t Wait for Customers to
Pay you on 30-90 day terms?

WCA provides a complete invoice processing, management,
and Advance funding solution!

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Specializing in Working Capital Financing
for the Construction Industry

We offer unique and innovative financing
solutions from $25,000 to 5 Million!

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One of the Nations Largest
Construction Factoring Companies

Specializing in Working Capital Financing
for the Construction Industry

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We offer Fast, Affordable Working Capital Funding for virtually any B2B Business. Get the CASH your business needs today! Rates start as low as 1% Request a no obligation quote today.

Industries We Serve

Construction Factoring

Specializing in Working Capital Financing for the Construction Industry

Staffing Companies

Working Capital for Staffing Agencies

Freight and Trucking

Working Capital for the Transportation Industry

Manufacturing Companies

Working Capital for Manufacturers and Suppliers

Maintenance & Janitorial Services

Working Capital for Commercial Cleaning Companies

Oil & Gas Service Companies

Working Capital for Oilfield and Energy companies

Aerospace Industry

Working Capital for Aerospace Suppliers Industry

Food Manufacturers and Distributors

Working Capital Solutions for the Food & Beverage Industry

Telecommunications Industry

Working Capital Solutions for the Communications Installation industry

Government Contracts

Working Capital Solutions for Government Contractors

Wholesale Distributors

Working Capital Solutions for Warehousing and Distribution companies

Automotive Suppliers

Working Capital Solutions for the Automotive Suppliers and Manufacturers

Other B2B General Service Companies

Working Capital solutions for virtually any B2b company

Small Business Line of Credit

Working Capital solutions to accept bigger orders and grow your business.

Start Up Business Line of Credit

Working Capital solutions to accept bigger orders and grow your business.

Invoice Factoring

Working Capital solutions to accept bigger orders and grow your business.


Working Capital of America is a nationwide full service working capital finance company that offers a broad range of flexible financing solutions for a variety of B2b general services industries. We are experts at accounts receivables management and collections, full-recourse invoice purchasing, and client underwriting assistance. We offer lines of credit starting at $25,000 up to $5,000,000.
We are unique not just because we are a small business lender, we are also a full service working capital funding company that can fund your invoices within 24 hours and handle all of your collections activities so you can spend time doing what’s important in your business. We work with companies going through rapid growth and expansion, companies looking to fulfill a single or multiple large orders which can cause capital shortages, or companies that need help getting through industry down times.
We are a family owned and family operated company. We have over 20 years of experience in the Automotive, Service, and loan collections industries. We understand business owners and the challenges you face better than any traditional bank. Rest assured, we work hard to be your go to lender and funding partner. Our primary goal is to help your business foster growth, support, and maintain your small-and medium-sized businesses strategy. We offer simple niche products, flexibility, and creativity that most traditional banks can’t compete with. All of our services are provided with the highest level of professionalism, integrity, and confidentiality.

What has been said

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.

Bob S.

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.

James R.

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.

Barry M.

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.

Eric F.

Prefer Talking to a real human being?
Give us a call, we’re here to help! (630)536-6160

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