Fast, Flexible Business Funding When You Need It
Get the Capital to Grow Your Business
Access working capital quickly to manage cash flow, purchase inventory, expand operations, or seize new opportunities.
Working Capital Overview
Funding Range
Based on processing volume
$2.5K - $5M
Funding Speed
Fast approval & funding
12-24 Hours After Approval
Repayment Type
Predictable collections
Fixed Daily or Weekly Amount
What is Working Capital?
Working capital is the lifeblood of your business – the funds you need to cover day-to-day operations, manage cash flow gaps, and seize growth opportunities. It's the difference between your current assets and current liabilities. Working Capital is a financing solution where you receive a lump sum of capital in exchange for a percentage of your future revenue. It's not a loan – it's a sale of future receivables.
Our working capital solutions provide you with the flexibility to maintain smooth operations, invest in inventory, cover payroll, and expand your business when opportunities arise. Unlike traditional loans with fixed monthly payments, Paz Working Capital uses a fixed daily repayment amount collected automatically from your credit card processing. This provides predictable, consistent payments that don't fluctuate with daily sales variations.
Perfect For
Working Capital is ideal for established businesses who need quick access to working capital
Retail Businesses
Stores with high credit card volume and steady daily sales flow
Restaurants
Food service with consistent customer card payments and predictable cash flow
Service Providers
Professional services with regular client payments and growth opportunities
Growing Companies
Established businesses needing capital for expansion, inventory, or opportunities
Ideal Working Capital Candidates Have:
How Funding & Repayment Works
1. Apply & Qualify
Submit application with 3+ months business bank statements. We analyze your business and approve based on revenue and a few other factors.
2. Receive Advance
Get lump sum cash advance deposited directly into your business account within 24-48 hours.
3. Fixed Daily or Weekly Repayment
Automatic collection of fixed daily or weekly amount from revenue. Consistent repayment schedule with prepayment discount options.
4. Renewal & Refinancing
Multiple renewal options and refinancing opportunities. Earn prepayment discounts for faster repayment.
Working Capital Benefits
Lightning Fast Funding
Get approved and funded in 24-48 hours based on your processing history, not credit scores.
Predictable Payments
Fixed daily or weekly repayment amount you can budget for - no surprises or variable payments.
High Funding Limits
Access $2.5K to $5M in working capital - significantly higher amounts than traditional loans.
No Collateral Required
Unsecured funding based on your processing history - no personal guarantees or assets at risk.
Renewal & Refinancing
Multiple renewal options and refinancing opportunities with prepayment discounts available.
Flexible Fund Usage
No restrictions - use for inventory, payroll, marketing, equipment, or any business need.
Simple Application Process
Minimal paperwork with automated processing analysis - get qualified in minutes, not weeks.
Qualification Requirements
Processing Volume
- Minimum $10,000/month in card processing
- Consistent processing for 6+ months
- Consistent ending balance
Business Requirements
- Business operational for 6+ months
- Valid business bank account
- Owner credit score of 500+
Ready for Your Working Capital?
Stop waiting for traditional bank approvals. Get the working capital your business needs with flexible repayment that matches your cash flow.
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Apply for Funding
Ready to get working capital? Apply now with our simple 7-step process. Get pre-qualified in minutes and receive a funding decision within 24 hours.
Business Growth Capital
Explore our full range of growth financing solutions including equipment financing, inventory financing, and expansion capital for your business.
Partner Program
Are you a broker or ISO? Join our partner network and offer working capital solutions to your clients with competitive commission rates.