Working Capital for the next move.
Creative-Fi arranges working capital through a network of banks and lending partners, with fast approval and fast funding.
No documents to start · No credit pull · No obligation
“Proper use of debt, also known as leverage, can open growth opportunities and maximize shareholder returns.”
SVP & Product Manager, Bank of America
One call, the right structure.
Working capital isn't one-size-fits-all. We look at your file and your reason for borrowing, then match the structure to it.
Term loan
A lump sum with a fixed rate and fixed monthly payment over a set term. It's the most straightforward path for most files.
SBA 7(a) loans
Government-backed financing with longer terms and competitive rates for qualifying small businesses.
Line of credit
Draw what you need, when you need it, and pay interest only on what's outstanding. Built for recurring or seasonal needs.
Bridge financing
Short-term capital to cover a gap, such as a receivable, a closing, or a seasonal dip, until permanent financing or revenue catches up.
Debt consolidation
Roll high-cost debt, including an existing merchant cash advance, into one fixed payment at a lower effective cost.
Fixed monthly payments
Across every structure above: one predictable payment, never a daily or weekly debit against your revenue.
Where working capital fits.
- You have an established business with steady revenue
- You want to compare structures across multiple lenders before you commit
- You want repayment shaped around how your business actually collects revenue
- You need funds for payroll, inventory, marketing, or general operations
Borrowing is ordinary practice.
How established employer firms actually use financing, per the Federal Reserve's most recent survey.
Source: Federal Reserve Banks, 2026 Report on Employer Firms.
Straight answers.
How much working capital can my business qualify for?+
Lenders size an offer off what your business already produces: revenue and deposit history, cash flow after existing obligations, time in operation, and any collateral in the picture. Because we place files across a network rather than one lender, the same business often sees materially different amounts and structures from different sources. We compare them and bring you the range that actually holds up.
Do I need collateral?+
It depends on the structure and lender. Some working capital products are unsecured based on cash flow and credit profile; others, including most SBA 7(a) loans, typically require collateral and a personal guarantee.
How is this different from a merchant cash advance?+
An MCA takes a daily or weekly cut of your sales and often carries a much higher effective cost. Working capital through Creative-Fi is structured as a loan or credit line with a fixed monthly payment, so your cash flow stays predictable.
How fast can I get funded?+
Most qualified working capital files fund in roughly two to four weeks from the first call. SBA-backed products typically take longer due to additional documentation requirements.
Ready to see your actual options?
No documents, no credit pull, no obligation. Tell us about your business and we'll tell you, plainly, what fits.