Short-term working capital is secured cash for an operating company with a defined repayment event inside one to twelve months — not a thirty-year SBA amortization and not a three-year unsecured installment.
Amounts typically run $250,000–$15 million. Terms are 1–12 months with weekly or bi-weekly repayment on qualified files. Collateral can include accounts receivable, inventory, equipment, and/or real estate. Pricing is quoted per file.
Jaken Finance Group originates investment-property loans. For operating-company working capital we arrange short-term secured credit through our capital network. We do not name capital sources in marketing materials.
Request working capital terms → · Call (833) 264-7776
In the form notes, include TTM revenue, use of funds, collateral available, and when you need to close.
Program terms
| Parameter | Short-term working capital |
|---|---|
| Amount | $250,000–$15 million (quoted per file) |
| Term | 1–12 months |
| Repayment | Weekly or bi-weekly on qualified files |
| Collateral | AR, inventory, equipment, real estate — senior or junior, quoted per file |
| Sizing heuristic | Up to ~10% of TTM revenue or ~1× TTM EBITDA |
| Speed | 3–10 business days on a complete file |
| Pricing | Quoted per file — not the unsecured 6%–18% band or hard money 8.99%–13.5% |
| Coverage | All 50 states — U.S. operating companies |
| What Jaken Finance Group originates | Hard money, bridge, DSCR, construction on investment property |
This is business-purpose credit for a for-profit operating company. It is not consumer debt, not a merchant cash advance replacement under $50,000, and not bridge financing on investment real estate.
Who this fits
Start here when:
- Revenue is roughly $10 million+ and the need is $250,000+
- You have a dated repayment event — inventory sell-through, a PO collection, invoice payment, or an acquisition takeout
- You can pledge AR, inventory, equipment, or real estate and document it cleanly
- SBA timing will miss payroll, a supplier deadline, or a signed purchase agreement
- You want non-dilutive capital instead of selling equity for a six-month gap
Use a different product when:
| Situation | Better path |
|---|---|
| $50K–$500K, no collateral, 3/5/7 years | Unsecured term loans |
| Cheap long-term working capital, 45–90 day clock OK | SBA working capital |
| Serial-numbered machine and vendor invoice | Equipment financing at 6%–14% |
| Non-owner-occupied property bridge | Bridge loans for investors |
| Daily MCA drafts you want to kill | Refinance a merchant cash advance first, then size long-term takeout |
Pick your use case
| Your gap | Read next |
|---|---|
| Bulk inventory, seasonal stock, supplier prepay | Inventory financing |
| Confirmed customer PO, need to pay supplier first | Purchase order financing |
| Invoices out, cash stuck in AR | Accounts receivable financing |
| Buy a company or membership interest before 7(a) lands | Business acquisition bridge loans |
| SBA too slow, unsecured too small, MCA too expensive | Short-term working capital vs SBA |
How sizing usually works
Lenders size operating-company files on cash the business already earns, not hope.
Two common starting points:
- Revenue band — up to about 10% of trailing-twelve-month revenue
- Earnings band — up to about 1× TTM EBITDA
Neither is a guarantee. A $42 million revenue manufacturer with thin margins may not support the same advance as a $18 million services company with sticky contracts and fast-paying customers. The file still needs a collateral stack and a repayment path that matches the amortization schedule.
Worked illustration: contract ramp (composite)
Illustration only — not a live quote.
A $26 million commercial cleaning operator wins four new enterprise contracts. Mobilization costs — hiring, uniforms, supplies — hit 45 days before the first client payment. Internal cash is committed to existing sites.
- Need: $1.8 million for nine months of ramp labor and materials
- Collateral: Assigned receivables from the new contracts plus a corporate guaranty
- Repayment: Bi-weekly sweeps as new sites bill
- Exit: Self-liquidating as the contract base stabilizes; optional SBA working capital refi later if the file fits bank timing
The upside is keeping equity and not stacking merchant cash advances at factor rates. The cost is short paper priced for speed and structure, quoted per file — not prime-plus SBA pricing.
Worked illustration: inventory buy (composite)
Illustration only — not a live quote.
A $19 million specialty distributor secures a 12% bulk discount from a vendor if payment lands in ten days. Normal terms are net-45. Sell-through on the SKU line runs 90–120 days.
- Need: $950,000 for six months
- Collateral: Inventory and existing AR borrowing base
- Repayment: Weekly as the SKU line turns
See the full inventory mechanics on inventory financing.
What we need in a complete file
- Two years of business financials or a clean TTM package
- Use of funds in dollars — not “general working capital” without a schedule
- Collateral schedule — AR aging, inventory summary, equipment list, or real estate if in the stack
- Repayment source — which invoices, which PO, which sale, or which permanent takeout
- Clock — supplier deadline, payroll date, or LOI expiration
Upload what you have on the commercial financing form. Partial files can still start a conversation; complete files move faster.
How this sits beside SBA and unsecured
Many operators run a two-step stack:
- Close now with short-term secured working capital when the opportunity or supplier will not wait
- Refinance or replace with SBA 7(a) or an SBA CAPLine when the cheaper facility is ready
That is the same “close now, take out later” logic as bridge now, SBA later on commercial buildings — except this layer sits on the operating company, not the deed.
Deep comparison: short-term working capital vs SBA.
Request terms
Whether the need is inventory, a PO, AR lag, or an acquisition bridge, describe the business, the collateral, and the repayment event on the form.
Request working capital terms → · SBA hub · Unsecured term loans · (833) 264-7776
Jaken Finance Group arranges short-term secured working capital for U.S. operating companies. We originate investment-property loans separately. Pricing, structure, and collateral are quoted per file at application. This page is educational — not an offer to lend.