Colaeb Capital / Working capital
Working capital to keep the business moving.
Cover payroll, inventory and cash-flow gaps with $10,000 to $5 million through our lending partner network. Compare short-term loans, lines of credit and invoice financing with one application.
By Manny Larcher, Founder of Colaeb · Updated October 2026 · Checking options won't affect your credit.
What is working capital financing
Funding for the day-to-day, not just the big projects.
Working capital is the cash a business needs to run its everyday operations: paying employees, buying inventory, covering rent and keeping the lights on while customers pay. Even profitable companies run short when revenue arrives later than expenses, and working capital financing fills that gap.
It is less a single product than a goal. The right option depends on why you are short and how quickly the money will come back.
Your working capital options
- Short-term working capital loans deliver a lump sum, fast, for a specific need such as a large inventory order. See term loans.
- Business lines of credit let you draw and repay repeatedly, ideal for recurring gaps. See lines of credit.
- Accounts receivable financing turns unpaid invoices into cash now. Through our partner, it is available on $100K or more in invoices aged up to 90 days.
- Purchase order financing funds the cost of fulfilling a large customer order before the customer pays.
Matching the money to the need
A good rule: match short-term needs with short-term financing. Using a long loan to cover a temporary gap means paying interest longer than necessary, while using expensive short-term money for a long-term investment can squeeze cash flow. Your funding advisor will help you line up the option with the cycle of your business.
Planning ahead
The best time to secure working capital is before you need it. Opening a line of credit while your revenue is strong gives you a cushion for the slow season, a delayed payment or a sudden opportunity.
Who qualifies
Three basics open most working capital options.
These baselines open most of our partner's products. Invoice financing leans more on the strength of your customers' invoices.
Time in business
Many options open up after as little as four to six months of operating history.
Monthly gross sales
About $120,000 a year in revenue. Steady deposits strengthen your offers.
Credit score
Options exist for most credit profiles. Stronger credit generally unlocks lower-cost capital.
How it works
From application to funded in three steps.
- 1
Apply online
Answer a few questions about your business and what you need the funds for. It won't affect your credit.
- 2
Compare your options
A dedicated funding advisor shows you which working capital products fit your cash cycle.
- 3
Get funded
Choose the offer that fits. Loans and credit lines often fund in one to three days; invoice and PO financing in two to five.
The trade-offs
Choosing the right working capital.
Speed and flexibility come with trade-offs. Here is what to weigh.
Where it shines
- Fast funding for time-sensitive needs
- Several structures to match your cash cycle
- Invoice financing leans on your customers' credit
- Keeps operations steady through slow periods
What to plan for
- Short-term money can cost more than long-term loans
- Frequent payments can pressure cash flow
- Invoice financing requires $100K+ in eligible invoices
- Best used for temporary gaps, not long-term projects
What owners cover with working capital
- Payroll
- Inventory
- Rent and overhead
- Waiting on customer invoices
- Fulfilling large orders
- Seasonal slowdowns
Common questions about working capital loans
What is a working capital loan?
Financing used to cover everyday operating expenses such as payroll, inventory and rent. It can take the form of a short-term loan, a line of credit, or invoice and purchase order financing.
How much working capital can I get?
Through our lending partner network, working capital ranges from $10,000 to $5 million depending on the product and your business profile.
How fast can I get working capital?
Term loans and lines of credit typically fund in one to three days. Invoice and purchase order financing usually takes two to five days.
Can I use unpaid invoices to get working capital?
Yes. Accounts receivable financing through our partner is available on $100K or more in invoices aged up to 90 days.
Is Colaeb the lender?
No. Colaeb connects you with our lending partner, ROK Financial, and its network of lenders, who make all credit decisions.
Will checking my options affect my credit?
No. Reviewing your funding options does not affect your credit score.
Other ways to fund growth
Not sure working capital financing is the right fit?
One application shows you every product you qualify for. Compare them side by side on the Colaeb Capital page, or explore each option below.
About the author: Manny Larcher
Manny Larcher is the founder of Colaeb and an angel investor with over a decade of experience building, scaling and investing in companies across technology, healthcare, media and consumer brands. He was part of telehealth startup Ardina, acquired by Cardinal Health in 2017, and from 2022 to 2025 served as an Analyst at an Ohio venture capital firm investing in early-stage technology and healthcare startups.
Figures on this page reflect our lending partner's published ranges. Colaeb is not a lender; products are offered through ROK Financial and its network of lenders, who make all credit decisions. This page is general information, not financial advice.
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