Bridge timing gaps
Cover expenses while waiting on receivables or seasonal demand.
Working Capital Loans
Smooth cash flow gaps, fund growth, and handle surprise expenses with a straightforward process and clear expectations — built for operators.
At a glance
Working capital is designed for operating needs — flexible use, faster timelines, and structures that match how your revenue flows.
Payroll, inventory, marketing, repairs, and seasonality.
Built to move quickly once documentation is received.
Know what you’re agreeing to before moving forward.
Specialists explain options in plain English.
It’s short-term business financing designed to help cover operating expenses and smooth cash flow gaps — so you can keep momentum when timing matters.
Cover expenses while waiting on receivables or seasonal demand.
Buy ahead of demand and pay vendors on time.
Hire, maintain coverage, or bridge payroll in slower periods.
Run campaigns when the opportunity is there — not “later.”
Handle urgent costs without disrupting operations.
Smooth out dips so you can keep a steady operating rhythm.
Different uses call for different structures. We’ll walk you through tradeoffs and recommend the simplest fit for your cash flow.
Rent, utilities, software, insurance, and day-to-day costs.
Stock up, protect margins, and meet supplier timelines.
Marketing, hiring, and expansion moves when timing matters.
A streamlined process built for busy owners — fast, clear, and guided.
Share basic details about your business and what you want to fund.
We evaluate cash flow and stability, then walk you through structures.
Once approved, move quickly on payroll, inventory, growth, or operations.
Three common questions owners ask before they get started.
Most businesses use working capital for operating expenses like payroll, inventory, marketing, repairs, and short-term cash flow gaps.
Often quickly once we have a complete application and any required documentation. Timing varies by business and program.
Operating history, cash flow trends, revenue stability, and documentation needed to verify the business.
Talk with a Gate Rock Capital specialist about your goals, timelines, and the structure that may be right for your business — or start your application in minutes.