One thin month is normal for most businesses. It becomes a crisis when payroll, rent and suppliers all come due before revenue recovers.
Apply Now →Before borrowing anything, figure out how big the gap really is. Owners often feel the shortfall as a vague dread rather than a number, and the number is almost always more manageable than the feeling.
Write down every payment due over the next 30 days: payroll and payroll taxes, rent, utilities, supplier invoices, insurance, loan payments. Then write down deposits you can reasonably expect, counting only invoices with a due date and not hopeful sales. The difference is your gap.
| Priority | Bill | Why it comes first or later |
|---|---|---|
| 1 | Payroll and payroll taxes | Staff leave when paychecks bounce, and tax debts grow faster than most |
| 2 | Rent and utilities | Late fees stack, and a landlord relationship is hard to rebuild |
| 3 | Key suppliers | A supplier who stops shipping stops your revenue |
| 4 | Everything else | Call these creditors early and ask for a few extra days |
Asking a vendor for a short extension before the due date is far easier than explaining a missed payment afterward.
A small salon has a quiet month and ends it with $6,000 in the account. Next month's payroll is $14,000, rent is $5,500 and supply orders are $3,000. Expected receipts, mostly from appointments already booked, are $17,000. Costs of $22,500 against $23,000 of cash (balance plus receipts) leave almost no cushion, and a single cancelled week would break it. The owner is not failing; the cushion is simply too thin. This example is illustrative and says nothing about our terms.
A predictable dip, such as a post-holiday lull, can be planned for with a reserve built in busy months. A bridge covers the gap while the reserve catches up.
A storm closure, a road project near your entrance or a key employee's absence usually passes. Bridging a temporary hit makes sense.
Three slow months in a row signal something structural: pricing, a lost customer, a changed neighborhood. Working capital buys time to fix it but does not fix it. Be honest about which case you are in before you borrow.
We ask for about three months of business bank statements, not tax returns. A single slow month sitting inside three otherwise healthy months is a common pattern and reads very differently from a steady decline. We fund $25,000 to $5,000,000, in as little as 24 hours, consider FICO 500 and above, and use a soft credit pull on a five-minute application. Sole proprietors can apply.
Not on its own. We look at about three months of business bank statements, and a single slow month inside a longer pattern is common.
Payroll and payroll taxes come first for most owners, then rent and utilities, then the suppliers you cannot operate without.
Total what must be paid over the next 30 days, subtract deposits you can document, and size the request to the gap plus a small cushion.
Yes. Sole proprietors can apply.
It depends on the cause. A one-time event or predictable dip is often worth bridging. A multi-month decline needs a business fix as well.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
