Working Capital
The cash a business uses to cover day-to-day operations — payroll, inventory, and the timing gaps in between.
Working capital is the money that keeps daily operations moving: payroll, inventory, supplies, rent, and the timing gaps between spending and getting paid. In accounting terms it is current assets minus current liabilities, but for most operators the practical meaning is simpler — the cash on hand to run this week and next.
A working-capital advance is short-cycle capital used to bridge those gaps: buy inventory before a busy season, cover payroll while invoices sit on net-30, or repair equipment that is holding up production. The defining discipline is matching the tool to the use — fund a gap that closes soon, not a long-term project that belongs on equipment financing or an SBA loan.
Sizing is where operators win or lose. Take what a conservative slow week can repay, not the maximum offered, and confirm the total payback and remittance in writing. Used well, working capital buys time for a gap that should close; used to paper over a structural loss, it just adds a bill.
Frequently asked
What is working capital used for?
Short-cycle operating needs: payroll timing, inventory, supplies, repairs, and bridging the gap while receivables clear. It is best for gaps that close soon.
How much working capital should I take?
Size to what a conservative slow week can comfortably repay, plus a modest buffer — not the maximum offered. Right-sizing the first deal also sets up a better renewal.
Is a working-capital advance a loan?
It depends on the structure. Quickie’s working capital is a purchase of future receivables, not a consumer loan. Always review the agreement and disclosures.
Related terms
Funding repaid as a set remittance tied to your revenue and cash flow rather than a fixed bank-style monthly loan payment.
A revolving credit limit you can draw from, repay, and reuse — flexible, but often slower to set up and qualify for.
The full dollar amount you repay over the life of an advance — funded amount times the factor rate, plus any fees.
Payment terms that give a customer 30 days from the invoice date to pay the balance in full.
An approval approach that weighs your real deposit activity and cash flow over the owner’s credit score.
Keep reading
See a real offer for your business
Connect your business bank, get a decision in minutes for qualified files, and review transparent total payback before you sign. Quickie funding is a purchase of future receivables — not a consumer loan.