How it works
Working capital is a purpose, not one uniform product. It may be delivered as a term loan, a line of credit, revenue-based financing, or financing tied to invoices. The repayment and pricing structure matters more than the label.
Financing Options
Working Capital
Working capital financing supports the operating cycle of a business. Match the amount and repayment schedule to a defined need rather than treating the largest available offer as the right fit.
Product Overview
Capital with a clear purpose
Operating businesses managing a temporary cash-flow gap, a planned purchase, or an investment with a clear path to repayment.
Synergy Capital helps business owners explore financing options and understand the structure presented. Availability, amounts, pricing, and terms depend on underwriting and the funder’s approval and are not a guarantee of funding.
Repayment
Schedules can range from daily or weekly debits to monthly payments. Build a conservative cash-flow forecast using the actual payment frequency; monthly revenue divided by four does not capture the strain of daily debits.
Cost
Compare total repayment, interest or factor pricing, origination and maintenance charges, draw fees, and early-payment terms. Ask for a full amortization or payment schedule when applicable.
Common business uses
A sound use of proceeds connects the financing to a specific operating need and a credible repayment plan.
Payroll and overhead
Smooth a documented timing mismatch without neglecting recurring obligations.
Inventory and supplies
Prepare for demand while retaining cash for ordinary expenses.
Repairs and continuity
Restore essential operations and evaluate the cost against the expected benefit.
Diligence
What to review in the agreement
These questions help you compare actual obligations, not just headline amounts. Request the final documents and take time to review them before signing.
Read the related guide →- Exact use of proceeds and the minimum amount needed
- Cash available after each scheduled payment
- All fees and total repayment over the expected holding period
- Whether collateral or a personal guaranty is required
- Whether a revolving line or invoice solution is more suitable
Compare Options
Another structure may fit differently
No single product is best for every business. Compare the intended use, cost, repayment, collateral, and time horizon before choosing.
Illustrative information only. Availability, amounts, pricing, fees, and terms vary and are set after underwriting. Nothing on this page is an offer, commitment, or guarantee of approval or funding. Financing, if arranged, is provided by Synergy Capital or its funding partners. See Terms & Disclosures.
Discuss Your Next Move
Tell us what you want to accomplish. We will help you evaluate the available structure, cost, and repayment before you decide.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.