Working Capital
A lump sum repaid on a predictable schedule to fund inventory, payroll, deposits, or a sudden opportunity. Useful in any industry where money goes out before it comes in.
- Amount
- $5,000 – $1,000,000
- APR
- 12% – 45%
- Term
- 6 – 36 mo
- Funding speed
- As fast as 24 hours
Best for
Bridging short-term, one-time cash-flow gaps.
What you get
- Funds in as fast as 24 hours
- Use for any business expense
- Early-payoff discounts
Disclaimer
Tera Loans is a small-business financing marketplace powered by Big Think Capital. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples, ranges, and calculator results are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business, industry, and credit profile. Business financing only — no consumer, personal, payday, auto, or mortgage loans.
Representative APR ranges from 7% to 45% depending on product, industry, business profile, and credit.