Working Capital
Simple + Fast
From contractors and retailers to manufacturers and service providers, JR Capital supports small and mid-sized businesses across industries with reliable, repeatable access to business term loans.
Lock in your approval without impacting your credit.
1-page application up to $1,000,000
Financing up to $5mm
Corporations/LLCs/Sole Proprietors
2-Hour Approvals
Same-Day Funding
550+ Experian to consider
How It Works.
Apply Online
1
Just a few minutes to fill out your details and add financial statements.
A JR Capital Representative will reach out regarding your approval details.
Get a Decision
2
Sign electronically and get your money!
Receive Funds
3
Start your approval process today by completing our simple online application. We'll keep you informed every step of the way.
It only takes 3 minutes!
What you’ll need to qualify.
âś” 1 year in business
âś” $100k in annual revenue
âś” Personal FICO score > 550
âś” Business checking account
âś” $10k in deposits per month
What we’ll offer you.
âś” Borrow between $10,000 and $5,000,000
âś” Choose terms up to 24 months
âś” No hard credit pull
âś” Rapid funding and transparent disclosures
What is a business term loan?
A business term loan gives you a fixed amount of money upfront that you repay over a specific timeframe. Payments are usually scheduled and often carry a fixed interest rate—perfect for predictable budgeting and long-term projects
Buying equipment
Renovating or expanding a location
Acquiring new property
Covering payroll or hiring staff
Launching marketing campaigns