WORKING CAPITAL FINANCING • CANADA + U.S.
Working capital financing built around the next business priority.
Access business financing for inventory, payroll, expansion, seasonal demand, or a time-sensitive opportunity without automatically tying the request to a new equipment purchase.
From $5,000 to $800,000Business financing range, subject to approval
Decisions targeted within 24 hoursFor complete applications with required information
One guided requestAccess to multiple lending partners through AFS
FLEXIBLE BUSINESS LIQUIDITY
Working capital is financing for operations, timing, and growth.
Working capital financing provides funds for defined business needs that are not necessarily tied to buying equipment. Depending on the applicant and transaction, it may support recurring operations, a short-term timing gap, or a planned growth initiative. Approval, amount, term, pricing, and security requirements depend on the business profile and lender.
WHERE CAPITAL CAN HELP
Put liquidity behind a clear operating purpose.
Inventory and supplier commitments
Purchase inventory, secure materials, place deposits, or meet supplier terms ahead of expected sales.
Payroll and operating costs
Support staffing, rent, fuel, marketing, or other defined operating expenses during a timing gap.
Growth and new contracts
Fund hiring, launch costs, capacity, or working requirements connected to an expansion or new customer agreement.
Seasonal cash flow
Prepare for peak demand or bridge the period between upfront expenses and later customer receipts.
CHOOSE THE RIGHT SOURCE
Working capital and equipment financing solve different problems.
Working capital financing
Best suited to a defined business use such as inventory, payroll, marketing, expansion, or a temporary operating gap.
Equipment refinancing
Uses equity in eligible commercial equipment the business already owns to release capital while the equipment stays in service.
Lease-to-own financing
Supports the acquisition of eligible equipment through scheduled payments with a documented path to ownership.
HOW IT WORKS
Turn a capital need into a lender-ready request.
01
Define the use
Explain how much capital is required, when it is needed, and the specific business purpose it will support.
02
Describe the business
Provide ownership, time in business, revenue, banking, and supporting financial information.
03
Review lender paths
The Lease2Grow team assesses the request and approaches financing partners suited to the file.
04
Confirm the structure
Review the amount, payment schedule, term, pricing, security requirements, and approval conditions.
WORKING CAPITAL FAQ
Know what lenders will want to understand.
What can working capital financing be used for?
Common uses include inventory, supplier payments, payroll, hiring, marketing, expansion costs, seasonal needs, and timing gaps. The proposed use must be disclosed and remains subject to lender review.
Is working capital financing the same as equipment refinancing?
No. Working capital financing is based on a business funding request and does not necessarily rely on equipment. Equipment refinancing specifically uses eligible equipment the business already owns as part of the financing structure.
How much working capital may be available?
Lease2Grow considers business financing requests from $5,000 to $800,000. The amount offered depends on the business profile, requested use, supporting information, and lender approval.
How quickly can a decision be made?
Decisions are targeted within 24 hours after a complete application and the required supporting information have been received. Some files require additional review, documentation, or lender conditions.
FUND THE NEXT BUSINESS PRIORITY
Bring the amount, timing, and business purpose into one conversation.
A member of the Lease2Grow team will help you determine whether working capital financing, equipment refinancing, or another commercial financing path best matches the request.