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  • Illustration of a table with a laptop open showing a dollar sign and pie chart

    Working Capital

    No matter your business need, a working capital loan can help you manage the cost.

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    Up to $250,000

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    Term length

    6 to 18 months

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    As low as 9.99%

    For qualified customers

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    Funding speed

    As fast as SAME DAY

  • Maintain cash flow with working capital

    For small business owners, cash flow is critical for keeping business running smoothly. A working capital loan from CIT can help you manage your cash flow for purchasing inventory, remodeling, buying advertising, or almost any other business expense. Our working capital loans offer small business owners access to up to $250,000 with term lengths ranging from 6 to 18 months. The best part? Working capital can be funded as fast as the SAME DAY you are approved for the loan. You’ll receive cash quickly and be ready to tackle anything your business needs.


    Get an influx of capital to grow your business or take advantage of an unexpected opportunity:

    • Purchase inventory
    • Equipment / technology
    • Temporary cash flow management
    • Marketing
    • Working capital supplementation


    Through our working capital loans, we offer interest rates as low as 9.99% for qualified customers. Rates vary based on requested loan terms and credit review.


      Our working capital loans automatically deduct daily or weekly payments from your checking account. 

      • Easy to use and work with

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        "The working capital we received from CIT allowed for the hire of new employees and enabled us to take on larger insurance repair projects. The working capital loan was easy to use and work with, and I got fast responses from CIT." Michael Bouck
        ServiceMaster by Bouck

      • The Process


        Apply online.

        It can take as little as 3 minutes.


        Verify your info.

        Once approved, we'll review your annual gross revenue, bank balance and general payment history. 


        Get your financing.

        We'll send your contracts in an online format so once you sign your funding can take place as quickly as the same day.