Rapid Working Capital
Working capital in as little as 24 hours, for whatever your business needs next
Apply in three minutes, send three months of bank statements, and a real person calls with terms the same day. Funds in as little as 24 hours after you sign. Any business: restaurants, contractors, shops, salons, trucking, and more. No tax returns, no down payment.
- Terms the same day, funds in as little as 24 hours
- Bank statements, not tax returns
- No down payment
- Every industry, every credit profile considered
Updated September 3, 2026
How can a small business get working capital fast?
Avanti Equipment Finance arranges rapid working capital of $10K to $250K for small businesses of every kind: restaurants, contractors, auto shops, salons, retail, trucking. It's underwritten on three months of business bank statements instead of tax returns. Apply in three minutes, get terms the same day the statements come in, and funds can land in as little as 24 hours after signing. One year in business, every credit profile considered, no down payment, and terms of 6 to 24 months.
Working capital by situation
Straight answers to the questions owners actually ask, each on its own page.
- Working capital without tax returnsThree months of bank statements is the whole application: no returns, no financials.
- Working capital with bad creditDeposits carry the file, not your score. No down payment at any credit level.
- How fast working capital fundsTerms the same day the statements arrive; funds in as little as 24 hours after signing.
- Working capital for restaurantsPayroll, a dead walk-in, the slow month. Card and cash deposits both count.
- Working capital for contractorsMaterials, payroll and the wait for a draw, sized from your deposits.
- Working capital for trucking & towingFuel, repairs, tires and slow-paying invoices. Factoring deposits count.
- Working capital vs. a bank line of creditWeeks vs. days, tax returns vs. statements, revolving vs. fixed term.
- Working capital vs. a merchant cash advanceHow each is structured, and the three things to check before you sign anything.
Why finance with Avanti
The money is coming, but it isn't here yet: payroll after a slow month, materials for a job that pays in 60 days, a cooler or a lift that dies the week rent is due. Working capital covers that gap, fast. This program is evaluated using activity in your business bank account, so three months of statements is the whole package: no tax returns, no financials. Terms usually come the same business day the statements arrive, and the money is wired once you sign. No down payment, and a rough credit stretch doesn't close the door. If the deposits support it, we'll find a structure; if not, we'll tell you straight.
At a glance
- Amounts
- $10K – $250K
- Terms
- 6 – 24 months
- Time in business
- 1+ year
- Funds in
- As little as 24 hrs
How it works
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
Send three months of bank statements
All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers. No surprises in the fine print.
Funds in as little as 24 hours
Sign, and the money is wired to your business account on a payment schedule you saw before signing.
How it compares
The same three questions every owner asks, side by side: how fast, what paperwork, what it takes to qualify.
| Feature | Bank line of credit | Typical online cash advance | Avanti working capital |
|---|---|---|---|
| Time to funds | Weeks, often longer | 1–3 days | Terms the same day your statements arrive; funds in as little as 24 hours after you sign |
| Paperwork | Tax returns, financial statements, often a business plan | Bank statements | Three months of business bank statements, all pages. No tax returns |
| Down payment | Varies | None | None |
| Credit | Strong credit and years of history | Most profiles | Every profile considered; 600+ sees the widest options |
| Time in business | Typically 2+ years | Typically 6+ months | 1+ year |
| Amount | Set by the bank | Sized from revenue | $10K–$250K, sized from your monthly deposits |
| Term | 1–5 years, revolving | 3–18 months | 6–24 months |
| Cost shown before you sign | Yes | Not always | Yes. Total cost and payment schedule in plain numbers |
Bank and cash-advance columns are typical ranges, not a quote from any specific provider. Avanti figures are the program's terms; your amount and term are set from your statements.
Frequently asked questions
How fast can I get funded?
Terms usually the same day your bank statements come in; funds in as little as 24 hours after you sign. Attach the statements to your application and the review starts the moment you submit.
What is it secured by?
Your business cash flow. The amount is sized from three months of business bank deposits.
Why is this faster than a bank?
Banks underwrite on tax returns, financials, and collateral, and each adds weeks. This program uses your business bank account activity for review, so there's nothing to assemble and nothing to appraise.
What kinds of businesses qualify?
Any business with a year of history and steady deposits into a business bank account: restaurants, contractors, auto repair, salons, retail, medical practices, landscapers, trucking, and more.
What can I use it for?
Whatever the business needs: payroll, inventory, rent, taxes, a repair, marketing, a second location, slow-paying invoices, or a down payment on equipment.
Do I need tax returns?
No. Three months of business bank statements, all pages, as PDF downloads from your online banking, plus the three-minute application is the full package.
Can I get working capital with bad credit?
Every credit profile is considered. Scores of 600 and up see the widest options; below that, steady deposits and credit in the business's own name (trade accounts, a business credit card, a D&B file) can carry the file. No down payment at any credit level.
How long do I need to be in business?
At least one year, with deposits going into a business bank account. Newer and buying equipment? Ask about startup equipment financing instead.
Is there a down payment?
No, at any credit level. The amount is sized from your monthly deposits, and repayment comes out of your business account on a fixed schedule you see before you sign.
Is this a merchant cash advance?
No. It runs over a set term of 6 to 24 months, and you see the total cost and payment schedule in plain numbers before you sign.
Can I use it as a down payment on equipment?
Yes, it's one of the most common uses. We can run both together so the timing lines up.
Which states do you serve?
Most of the U.S. The working-capital program is not offered to businesses based in California, Connecticut, Kansas, Louisiana, Missouri, Texas, Utah and Virginia. Those states regulate this type of financing differently, so we don't take working-capital applications from them (equipment financing is still available in all of them except California). The application checks your business state before you finish.
Related financing
- Bad credit equipment financingChallenged credit, past bankruptcies and thin files all considered.
- Startup equipment financingFirst-truck programs for businesses with no time-in-business history.
- Collateral-based financingWhen the equipment carries the deal instead of the credit score.
- Private party equipment financingBuy from a private seller, not just a dealer: same terms, title handled.
Read more on this
- 5 min readWorking Capital Without Tax Returns: How Bank-Statement Underwriting Actually WorksWorking capital decided on three months of bank statements, not tax returns: what the underwriter looks at, what counts as revenue, and why it's faster.Read →
- 5 min readUsing Working Capital as the Down Payment on a Truck or MachineWhen the equipment deal needs 20% down and the cash is tied up in the business, working capital can cover it. How the two programs run together, when it makes sense, and when it doesn't.Read →
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.