Working Capital
Short-term funding for everyday expenses, so cash flow stays smooth.
Apply for working capital
Same day funding
Working Capital & Business Loans
Pick your business type, get a quote, keep the money moving. No collateral, no obligation, no guessing what it costs.
Select your entity and receive a quote
- $600+ million funding secured
- Free, no-obligation, no-risk quotes
- Same day funding
Funded to date
$600M+
Approval
Same business day
Chosen by 11K+ businesses
Funding options
Fast, flexible funding
Fast, flexible funding
business owners approve
Nine ways to get capital into your account. Pick the one that fits how your revenue actually arrives.
SBA Loan
Government-backed financing with longer terms for small businesses.
Apply for an SBA loan
Business Line of Credit
Flexible credit you draw against. Use only what you need.
Open a line of credit
Invoice Financing
Unlock cash tied up in receivables and keep operations moving.
Finance my invoices
Merchant Cash Advance
Take an advance today, repaid from future card sales.
See how an MCA works
Equipment Financing
Finance machinery and gear, often up to 100% of the purchase price.
Finance equipment
Payroll Financing
Bridge payroll gaps so your team gets paid on schedule.
Cover payroll
Term Loan
Lump-sum capital with predictable payments for growth or equipment.
Get a term loan
Discretionary Capital
Support import and export with letters of credit and guarantees.
Talk trade finance
Track record
Industry leading results
$0M+
Funds delivered
0%
Client satisfaction
0
Satisfied customers
What owners spend it on
Accelerate growth
Capital does nothing sitting still. Here is where the last $600 million went.
- AI software upgrades
- Fulfill large orders
- Launch new products
- Acquire a competitor
- Hire new staff
- Strengthen operations
- Purchase inventory
- Marketing & advertising
Why owners pick SLS
Key factors
Three things that decide whether funding helps you or hurts you.
Flexible repayment plans
Payment schedules built around your business cycle, not a bank calendar.
Same-day approval
Approved fast, so you can act on the thing you needed the money for.
Unsecured financing
No collateral. Access is based on your monthly revenue.
Three steps
Same day funding
Apply before lunch, and the money can be in the account before you close.
Quick approval
Apply in under five minutes.
Approve offer terms
Seamless online process, every fee visible up front.
Receive your funds
No wait, no hassle.
Do you qualify
Application criteria
Four boxes. Tick them and you are almost certainly fundable.
Verified reviews
From business owners
Real names, real deals, no marketing polish.
Yanni, thank you for truly understanding my needs and helping me secure the funding I needed. You were honest, knowledgeable, and patient through it all.
Habeeb Ali Bin Hasan
★★★★★ 2 months ago
Yanni was a straight shooter with deep industry knowledge. He helped me cut through the noise and secure funding. I'll never use anyone else.
Robb Kornoelje
★★★★★ 3 months ago
Yanni made the entire process effortless. He kept me updated and guided me professionally. Highly recommended!
Rob Perticone
★★★★★ 4 months ago
John Aydogan was great to work with and helped me get favorable terms quickly and efficiently.
Steve Pollock
★★★★★ 1 month ago
Richard guided me professionally and politely. Thanks to him, I got exactly what my business needed. Smooth, stress-free funding.
Jennice Sanchez
★★★★★ 3 years ago
Working capital = current assets minus current liabilities. A positive balance keeps daily operations smooth and lets you take growth opportunities when they appear.
Generally you need at least 1 year in business, $100K+ annual revenue, a business checking account, and a personal FICO score of 625 or higher.
Once approved, funds can hit your account within 24 hours, often the same business day.
SBA loans are government-backed, with lower rates and longer terms. Merchant cash advances are quicker but more expensive, and repayment is based on future sales.
The twenty reasons we see most often:
- Cover payroll
- Purchase inventory
- Pay rent or lease
- Handle cash flow gaps
- Fund daily operations
- Manage seasonal slumps
- Fulfill large orders
- Marketing and advertising
- Upgrade equipment
- Emergency repairs
- Cover unexpected expenses
- Avoid late fees
- Expand the business
- Hire new staff
- Refinance debt
- Maintain vendor relationships
- Stay competitive
- Improve cash position
- Act on time-sensitive deals
- Manage accounts payable
- Cash flow gaps between money in and money out
- Seasonal slumps and off-peak periods
- Emergency repairs and facility issues
- Unexpected expenses
- Accounts payable and vendor terms
- Equipment and technology upgrades
- Day-to-day operations
- Rent or lease payments
- Payroll during lean periods
Business lines of credit, invoice financing, merchant cash advances, term loans, equipment financing and payroll financing, all backed by our Get Offer guarantee.
No. Pricing is fully transparent, and you see every fee and rate before you commit.
Yes. You can repay early without penalty and save on interest costs.
Your last four bank statements, a voided business check, and a government-issued ID.
Call (516) 710-7949 or email info@straightlinesource.com.
From the desk
All articles
Blogs
What is changing in small business lending, written by the people placing the deals.
SLS Funding Team
22 July 2025
How large corporations are changing the merchant cash advance landscape
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