Inventory is paid for before it is sold. Map purchase orders, delivery dates, expected sell-through and returns to avoid a repayment schedule that arrives before revenue.
Compare before you commitCosts, terms and guarantees
Amounts and timing depend on eligibility, approval, a complete application, the product, and provider and bank processing. MicroCapital is a financing broker, not a lender.
01
Build a financing plan for your business
Inventory is paid for before it is sold. Map purchase orders, delivery dates, expected sell-through and returns to avoid a repayment schedule that arrives before revenue.
02
Match the repayment to the project
Use a term loan or equipment facility for a long-lived purchase and compare revolving credit for recurring short-term gaps. Check the total repayment, fees, guarantees and early repayment terms before choosing.
03
Tie inventory funding to expected sell-through
Explain when stock arrives, when you expect to sell it and how returns or markdowns affect the margin. Use conservative sales assumptions for new products. Set aside cash for replenishment rather than allocating every receipt to debt repayment.
04
Budget for the project and the operating cycle
List the project costs alongside the expenses that continue while the work is underway. Include supplier deposits, staff time, delivery, installation and any interruption to revenue where relevant. Separate long-lived assets from recurring operating costs so you can compare financing structures suited to each. Use collected revenue, rather than optimistic sales targets, when estimating the payment your business can support.
05
Prepare for a slower month before signing
Build a base forecast and a slower-sales forecast, including existing debt and the proposed new payment. Ask whether the payment is fixed or changes with sales, how often it is collected and whether early repayment changes the cost. Confirm which assets or personal guarantees support the agreement. Keep enough working capital to serve customers while the financed project begins producing revenue.
A little clarity
Good questions. Clear answers.
What should I prepare before applying?+
Inventory aging, purchase orders and sales by payment channel.
How much financing can I request?+
MicroCapital advertises business financing from $5,000 to $1,000,000. The amount available depends on the product, your business and the provider’s assessment. Request an amount supported by your budget rather than assuming the maximum will be offered.
What affects the time to receive funds?+
Funding in 24–48 hours is available for eligible, approved requests, subject to a complete application and provider and bank processing. Missing information, verification or product requirements can change the timing.
Can a new business apply without established revenue?+
Ask which products, if any, are available for your stage of business. A provider may require operating history or revenue; a forecast does not automatically replace those requirements. Explain the start-up budget and owner contribution clearly.
Is a personal guarantee or security required?+
Requirements differ by provider and agreement. Ask which business assets or personal obligations are involved and what happens if payments are missed. Review the actual agreement before accepting; a product label alone does not establish its security requirements.
What should I compare before accepting an offer?+
Compare net funds received, total repayment, fees, payment frequency, term and early repayment conditions. Include existing debt in your cash-flow forecast and ask for unclear terms in writing.
From $5,000 to $1,000,000. Funding in 24–48 hours.
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For eligible businesses, subject to approval and a complete application. Amounts, pricing and timing depend on the product, provider and bank processing.
