Working capital — funded fast, often same day.

Why operators come to us for working capital

Speed. Most working-capital customers calling us need money today, tomorrow, or by the end of the week. Same-day funding is common when paperwork is moving.

No early payoff penalties. You only pay interest as long as you keep the money open. Borrow $50,000, use it for two weeks to make payroll, pay it off — you owe two weeks of interest, not a fee. That's a huge selling point if you're bridging a known incoming receivable.

22 years of experience. We've written hundreds of working-capital files. We know which programs are funding quickly this week, which ones tightened up after a bad quarter, and how to package a file to get approved on the first look. We're experts in commercial finance. We're not generalists.

Common reasons people call us for working capital

• Bridge a new contract. You've won the job. You need to staff up, buy materials, and start the work — but the customer doesn't pay until later. Working capital gets you to the first invoice.
• Unexpected repairs. A truck or piece of equipment goes down and you can't wait two weeks to fix it. Working capital today gets you back to revenue tomorrow.
• Payroll. Receivables are slow, payroll isn't optional. Use the money for a couple of weeks, pay it off when the receivable lands.
• Down payment timing. A piece of equipment came up on the market, you need a chunk of cash to close on it before your own funds free up.
• Slow season. Trucking, landscaping, snow removal, construction — every operator has months where receivables drop. Working capital smooths the gap.
• Expansion capital. Add a route, take on a bigger customer, open a second yard.

What to expect from the application

When someone calls us for working capital, the file we work with is simple:

1. Completed application. Standard intake — entity info, ownership, contact, requested amount, intended use.
2. Three months of bank statements. This is the most important part of the equation. Working-capital programs underwrite primarily off cash flow, not off credit. Credit matters to a degree — bank statements matter most.

From there, it's fast. Often same-day approval. Often same-day or next-day funding.

What will disqualify you from working capital

• Negative ending balances in your bank statements
• Lots of NSF activity on the account
• Asking for too much relative to your average monthly deposits

Rule of thumb on size: if you're asking for an amount in the neighborhood of your monthly deposits, you're in workable territory.

Example A — doable: $50,000 in monthly deposits. Asking for $50,000 in working capital. $10,000 average ending balance. That's a workable deal.

Example B — not doable: $10,000 in monthly deposits. Asking for $50,000 in working capital. $500 average ending balance. No program funds that file.

If your numbers don't look like Example A but you're somewhere in between, call us. There's often a smaller working-capital amount that does work — and if it doesn't, we'll tell you on the first call.

How big can a working-capital deal be?

Traditional working capital goes up to $500,000. That's the comfortable ceiling for the fast programs we write.

If you need more than that, the option is an SBA loan. Better rates, better terms — but the process typically takes around two months. SBA is the right tool for a planned expansion or acquisition with time on the clock. It's not the right tool for the call that starts with "I need money this week."

Most customers who call us for working capital are looking for money today, tomorrow, or by the end of the week. SBA is a separate conversation — and we can walk you through whether that's a better fit for your situation.

How a working-capital deal is structured

Typical working capital from us pays back in one year or less. The payback is interest plus principal over the term you keep the money open. As an illustrative example: if you borrow $50,000 for ten months and you carry the balance the whole time, your total payback might fall in the range of 15–40% above the loan amount, depending on the program and your file.

The most powerful feature of a TAC working-capital deal: no early payoff penalties. You only pay interest as long as you keep the money open. If you take a 10-month loan and pay it off in week three because your receivable came in, you owe three weeks of interest. Not a penalty. Not a make-whole. Just the interest you used.

Payment frequency: Weekly payments are most common. Daily payments are also available if that's what gets a deal approved. Monthly payments are more rare but still an option for the right file.

What this looks like in practice

At the beginning of last year, a horizontal directional drilling company called us. They'd just won a big contract — underground utility installation across Connecticut and Pennsylvania. The contract was about to start, and they needed $100,000 in working capital to staff up and start the work before they'd see their first payment from the customer.

We funded the working capital quickly. They got to work on the contract right away. They carried the loan with monthly payments — the kind of structured payback we can do when the file supports it.

That's exactly what working capital is built for: bridge the gap between winning the contract and getting paid for it. We see this file all the time — and we fund it fast.