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Who are we?

WorkingCapital4u is a leading provider of working capital to small and medium size businesses in the United State and United Kingdom with innovative and transparent funding solutions. Our primary objective is to provide business owners with the working capital they need to run a successful business. Because of the dynamic and challenging nature of running a business, we make certain that qualifying business owners can get the cash advance they need, quickly and easily.

Typically, the bank will be happy to loan a business money when it does not need it, but reluctant to loan a business money when it needs it the most. At WorkingCapital4u, we like to think differently and actually fund businesses when they need it most. We do this by arranging cash advance for companies to advance its future credit/debit card sales as an unsecured cash advance.

Our simple qualification process allows us to arrange capital to much higher percentage of businesses and our affinity partners make it cost effective.

What is Business Cash Advance?

Merchant and Business can receive working capital against future credit card sales. The cash advance product provides to qualified businesses a financial service aimed at helping clients build and expand their business. A Cash Advance wants to establish itself as an alternative source of funding for businessmen/women, who know how important it is to maintain a fluid cash flow in their company.

How does a Business Cash Advance works Exactly?

An innovative funding product that was designed to serve the financial needs of the small and medium sector.

Aimed at businesses that accept debit/credit cards, cash advance funds are provided to business by purchasing an agreed percentage of its future debit/credit card sales. The repayments are made by deducting an agreed amount, from the daily debit/credit card sales, until the amount is repaid. Because the repayment is made through the credit card processor it is automated and does not require any effort from the merchant. As there are no fixed payments, the payments are made when credit/debit card sales are made. So, we get paid when the business does.

Why Business Cash Advance?

Cash Advance Advantages

• No security required
• No audited accounts or tax returns required
• No application fees or hidden charges
• No fixed payments
• No fixed term and no-payment penalties
• Simple Application Process
• Fast decision by real people i.e. no multi-level approvals

How do I know if I qualify?
In order to qualify, you will need to meet the following requirements:

• Operating with payment terminals for at least 12 months
• Processing at least $3,500 per month via card payments
• Have at least 1year left on your lease
• Processing 20+ transactions per month
• Authorise our partner company to receive a portion of your daily future credit/debit card receipts until the cash advance is paid

How can you use Merchant Cash Advance for your business?

Most of our customers use the money for business-building needs like adding more seats to their restaurants, advertising or stocking up on seasonal merchandise. Others have used it to buy out a partner or for emergency needs like unforeseen maintenance issues that could interrupt your business.

• Purchase New Equipment
• Purchase Inventory/ Seasonal Merchandise
• Expand/ Remodel
• Pay Off Debt/Taxes
• Emergency Funding
• Others

Restaurant Owner, New York


Auto Shop Owner, San Diego


Hair Salon Owner, Boston