Working Capital
Flexible, recurring capital for businesses that need to move at the speed of their operations.
What it is
Working capital financing covers the day-to-day cost of running and growing your business — payroll, inventory, supplier payments, and seasonal gaps between when you spend and when you get paid. It typically takes the form of a revolving line of credit, a short-term business loan, a merchant cash advance, or invoice (receivables) financing, depending on how your revenue actually flows.
Who it's for
Established businesses with consistent revenue that occasionally need liquidity faster than their cash cycle allows. If you're turning down orders because you can't float the materials, or watching margin slip because you can't buy inventory at volume, working capital is usually the right structure.
How the structure works
A line of credit lets you draw and repay as needed, paying interest only on what you use — ideal for recurring or unpredictable needs. A term advance delivers a lump sum repaid on a fixed schedule. Invoice financing advances cash against outstanding receivables so you're not waiting 30, 60, or 90 days to get paid. We match the instrument to your cash conversion cycle rather than forcing your business into a single product.
The Carraway approach
We look at how money actually moves through your business before recommending a structure. Because we work across a network of lenders, we can compare revolving facilities, advances, and receivables financing side by side — and bring you the option that costs the least and fits the way you operate.
The right capital structure starts with one conversation.
Tell us about your business and what you're trying to accomplish. We'll tell you where you fit across our lender network — and whether we're the right partner for this deal.