Business funding, done honestly.

Working Capital Network exists to give business owners a straightforward, honest way to access the funding they need to grow. We've deployed over $500 million to 12,000+ businesses across all 50 states — and we're still working on that mission today.

$500M+

deployed to businesses across all 50 states

Who we are

A funding partner that actually partners with you.

We're a business funding brokerage and advisory firm working with a wide network of lenders to find the right capital for your business. We aren't a lead-generation shop that sells your information to the highest bidder. When you apply with us, you're working with us — and the funding advisor who takes your call is the same person who walks you through underwriting and funding.

We hold ourselves to a higher standard than the industry asks for. We disclose the total cost of capital upfront, in dollars and cents. We won't put you in a product that doesn't fit. And we tell you honestly when a different structure — even one that pays us less — would serve you better.

That approach costs us deals. It's also why roughly 15% of our new business comes from client referrals. When you take care of business owners, they send you more business owners.

The Story

Why we started.

The business lending industry has a reputation problem — and most of the time, it's earned. Hidden fees. Confusing terms. Advisors who push whatever product pays them the most commission, not what actually fits the borrower.

We started Working Capital Network to build the alternative. A funding partner that operates transparently, communicates honestly, and treats business owners like the intelligent operators they are — not marks to be closed.

Our mission is simple: give business owners a straightforward, honest way to access the capital they need to grow. That means being upfront about costs. It means matching you to the right product, not the most profitable one. It means picking up the phone when you call, and following through on what we say.

We're founder-led and built for the long haul. We measure success not in loans closed but in businesses that come back, refer their friends, and grow into repeat customers year after year.

What we believe

Three things we won't compromise on.

If we have to choose between closing a deal and doing right by you, we'll close fewer deals. That sounds obvious. Most lenders don't actually mean it.

Honest first.

We'll tell you when you can do better elsewhere. We'll tell you when a smaller loan is smarter than the one you asked for. We'll tell you when you should wait six months and qualify for something cheaper.

Transparent always.

Every offer has total cost of capital in plain dollars. Every fee is disclosed before signing. We never bury terms in legalese or hide them in fine print. If it's not on the cover page, we don't charge for it.

iii

Right capital.

Putting a borrower in the wrong product is the most expensive thing a lender can do. We have six products specifically so we can match each situation. The right structure beats the cheapest rate every time.

By the Numbers

Built on results.

$500M+

Capital Funded

Deployed to businesses across all products.

12,000+

Businesses Funded

From sole proprietors to mid-market companies.

States Served

Operating nationwide.

24hr

Funding Turnaround

From approval to funds in your account.

4.9★

Trustpilot Score

Across 190+ verified client reviews.

98%

5-Star Reviews

Of Trustpilot reviews are 5-star.

15%

Referral Rate

Of new business comes from client referrals.

$5M

Max Loan Size

Available through our SBA program.

Work with us

Let's fund what's next.

If you're ready to talk, we're ready to listen. No application fee, no impact on credit, no commitment until you sign.

Get Started

Or call us direct (714) 349-9509