Business Capital

Working capital for the day-to-day cost of running the business.

Truidian helps businesses identify and connect with third-party working capital providers for payroll, inventory, rent and other operating costs — funding that isn’t tied to one specific asset. Truidian is not a lender.

Explore Working Capital

How it works

Understanding working capital financing.

Working capital

What is working capital financing?

Working capital financing is commercial funding used to cover a business’s day-to-day operating needs — payroll, inventory, rent, materials — rather than a specific long-term asset.

Participating providers structure working capital in several ways, including short-term financing with a fixed repayment schedule, revolving facilities that can be drawn and repaid, and revenue-based structures where repayment scales with sales. Cost, repayment schedule and eligibility vary widely across these structures, so the structure deserves as much attention as the amount advanced.

Because working capital is often needed quickly and isn’t tied to a specific asset that can serve as collateral, non-bank providers frequently fill this need with faster underwriting — generally at a different cost profile than a bank loan or line.

Commonly explored when

Seasonal revenue creates predictable short-term cash gaps
A new contract or season requires operating costs up front, before revenue arrives
Growth is outpacing the cash currently available to fund it

Common structures

The main ways working capital is structured.

Short-term financing
A lump sum repaid on a fixed schedule, often daily or weekly, over a relatively short term.
Revolving facilities
Draw and repay as needed, similar to a line of credit, with cost tied to the amount actually used.
Revenue-based structures
Repayment scales with sales volume, which can smooth cash flow during slower periods — though total cost can vary with how quickly revenue is collected.
What providers look at
Cash flow and bank activity often matter more than collateral, which is part of why approval can move faster than a traditional loan.

FAQ

Common questions about working capital.

Is Truidian a lender?

No. Truidian is a business solutions company, not a bank or direct lender. Truidian helps businesses identify and connect with third-party working capital providers. Financing is offered by a participating provider and subject to its approval and terms.

How is working capital different from a term loan?

Working capital is generally used for ongoing operating needs rather than a single defined purchase, and is often structured for faster access and shorter terms than a traditional term loan.

What determines how much working capital a business can access?

Providers typically look at cash flow, bank activity, time in business and revenue. Specific underwriting criteria and amounts are set by the participating provider.

Does working capital financing require collateral?

It depends on the provider and structure. Many working capital products rely more on cash flow than on specific collateral, but requirements vary by provider.

Tell us what the gap looks like.

Share what's driving the cash need and how your revenue cycle works. We'll identify participating providers whose programs may fit.

Explore Working Capital

Truidian is not a lender. Financing is offered by participating third-party providers and is subject to their underwriting, approval and terms. Truidian does not guarantee approval, rates, amounts or timing.