Keep your business moving with flexible working capital. Cover payroll, inventory, operational expenses, and more — without missing a beat.
Apply Now →Get funds quickly when you need them most. Our lending partners can move in as little as 24 hours.
Use funds for any business need — payroll, inventory, marketing, repairs, or any operational expense.
Many working capital options require no collateral, making it easier to access the funding you need.
Submit your basic information through our secure application
We match you with the right funding partner for your situation
Review your working capital options and choose the best fit
Receive funds directly into your business account
Don't let cash flow issues hold your business back. Apply now and get a response in as little as 24 hours.
Apply Now →Working capital funding covers day-to-day operating needs such as payroll, inventory, and cash flow gaps between invoices and payments. CruzFi connects you with partners offering short-term capital, revenue-based options, and invoice factoring.
Funding used to cover short-term operating needs rather than long-term assets: payroll, rent, inventory, supplier payments, and gaps while you wait on receivables. Options CruzFi's partners offer include short-term loans, revenue-based financing, and invoice factoring.
When a timing gap, seasonal dip, or large order would otherwise strain cash on hand, and the funds will be repaid from near-term revenue. For long-term purchases such as equipment or property, a term loan, equipment financing, or real estate loan usually fits better.
No. CruzFi is a capital access platform and referral service, not a lender, bank, or credit union. CruzFi reviews your request and connects you with independent funding partners. Each partner sets its own requirements, rates, fees, and terms, and approval is never guaranteed.
To start, CruzFi asks for your funding goal, the amount you are considering, time in business, approximate monthly revenue, industry, location, and contact details. No documents, Social Security number, or bank login are needed to submit a request. A funding partner will tell you what it requires before you apply with them.
Submitting a request does not guarantee approval or funding.