Working Capital Formula: How to Calculate It
Key Takeaways The working capital formula is simple: Current Assets − Current Liabilities. A positive result means you can cover short-term obligations; a negative result means you're at liquidity…
4.7-Star Average Rating
Get The Capital Your Business Needs To Grow
We look beyond your credit score to say 'Yes' when others won't. Whether you're a startup, established business, or real estate investor, access flexible financing solutions to fuel your next big move.
How much funding do you need?
$270,000
Answer a few simple questions and an advisor will come back with the options you actually qualify for.
- Soft credit check only
- No obligation
- 300+
- businesses funded since 2012
- $6M+
- provided in financing
- 4.7 Stars
- from happy customers
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How It Works
Funding That Moves At Your Speed.
Three Steps To Funding Your Future
Complete the application.
Answer a few questions about your business — it takes minutes — and an in-house loan advisor will call to talk through what you need.
Get a decision.
Your advisor comes back with the options you actually qualify for, often the same day, and helps you weigh them side by side.
Receive your funds.
Sign your contract and the money can land as soon as the same day — yours to put to work at whatever pace the business needs.
Use of Funds
What Can You Do With Funding From Nanotom Capital?
- Purchase inventory
- Cover payroll
- Expand or renovate
- Launch marketing campaigns
- Stabilize cash flow
- Upgrade equipment
- Hire more employees
- Consolidate business debt
The Nanotom Capital Advantage
Funding Options Built To Work For You.
Nine ways to fund a business, side by side — working capital, lines of credit, SBA loans, equipment finance and five more. Apply once, in minutes, and most come back the same day, with approvals from $15,000 to $5,000,000.
Get FundedWorking Capital
When Timing Is Everything
A lump sum up front with a fixed, predictable payoff — built for payroll, inventory and the gaps between invoicing and getting paid. Approval looks at how your business actually performs, not only at your credit file.
Right-Sized Amounts — From $15,000 to $2,000,000
Business Line of Credit
A Credit Line That Refills As You Repay
An approved limit you draw from, pay down, and draw from again — with interest charged only on the balance you actually have out. The money is in place before you need it, so a slow month does not start with an application.
Revolving Limit — Approvals up to $1,500,000, reusable as you repay
SBA Loans
The Longest Terms Available Anywhere
Loans partly guaranteed by the U.S. Small Business Administration, which caps what a lender may charge and allows terms no conventional product matches. The trade is time: an SBA file takes weeks rather than hours, and asks for the paperwork to match.
Up To $5,000,000 — The 7(a) program's ceiling
Equipment Financing
Financing That Pays For Itself
Finance the machine, vehicle or system your business runs on and let it earn while you pay for it. The equipment secures the loan, so approvals lean on what you are buying rather than on the collateral you already own.
New or Used — Dealer, private-party and auction purchases all qualify
Merchant Cash Advance
An Advance Against Sales You Have Not Made Yet
Not a loan — a purchase of a slice of your future receipts, repaid automatically as a share of what comes in. The payment rises and falls with the business, which is the point, and the total cost is agreed up front rather than accruing.
Revenue-Led Approval — Recent deposits decide it; credit history rarely does
Business Loans
A Lump Sum Now, On Terms You Can Plan Around
A fixed amount up front and a fixed schedule to repay it — the simplest way to fund something whose cost you already know. The amount, the term and the payment are all settled before you sign, so there is nothing to discover later.
Sized To The Job — From $15,000 to $5,000,000
Inventory Financing
Buy The Stock Before The Season Needs It
Funding secured by the goods it buys, so you can take a bulk price, cover a long lead time, or fill the shelves ahead of a season without draining the account that pays the staff.
The Stock Is The Security — The inventory itself collateralises the facility
Receivables Financing
Get Paid Now For Invoices Due Later
Your unpaid business-to-business invoices, advanced as cash instead of waiting out a 30-, 60- or 90-day term. The facility grows as your sales do, because the limit is set by your receivables rather than by a fixed approval.
80% To 90% Up Front — The balance, less the fee, lands when your customer pays
Bridge Loans
Cover The Gap Between One Deal And The Next
Short-term money for a timing problem rather than a cash flow one — a purchase that must close before a sale completes, a refinance still in underwriting, a contract that needs funding before the first payment arrives.
Closes Fast — Days, rather than the weeks a conventional facility takes
The Nanotom Difference
Everything Moves Fast. Except Your Credit Score.
- We move fast.
- Same-day decisions, and the money can land as soon as the same day.
- We protect your credit score.
- Checking what you qualify for is a soft credit check, so the score you have worked hard for is untouched.
- We protect your data.
- Your details are sent over an encrypted connection and handled under our Privacy Policy.
- We have real people and real support.
- Speak with an in-house loan advisor who works your file from application to funding.
Testimonials
View All TestimonialsWhat Others Are Saying
Imran A.
Apex Logistics Group
5 out of 5
Our experience was positive. We appreciated the transparency on costs and the no-collateral requirement. Overall, they delivered on what they promised. Got $75k in less than a week.
Shelly R.
Midtown Craft Coffee
4 out of 5
Application process was easy and the rep (I think her name was Morgan?) was super helpful. Took a bit longer than I expected to finalize (4 days instead of 2), but in the end it worked out. Might try again if terms improve.
Jared P.
JP Woodworks
5 out of 5
Fast, no BS. Got funded in like 36 hrs. Helped me cover payroll during a slow week. Would reccomend.
Carlos D.
Co-founder - Fenix Automotive Services
5 out of 5
At first I was a bit skeptical—too many funding companies out there making big promises. But these guys actually delivered. The rate was a little higher than I hoped but no hidden fees and very straight forward process.
Tina M.
Owner - Bayleaf Boutique
5 out of 5
Honestly, didn’t know what to expect but this company came thru in a big way. We were short on cashflow before a big inventory push and they got us approved fast. Funds hit the next morning. Super grateful and def using them again.
Insights & Guides
View All BlogsFrom The Nanotom Capital Blog
Credit Scores for Business Loans: What You Need
Key Takeaways Only 51% of small business loan applicants get fully approved, and credit issues account for 26–45% of all denials, making your credit score the single most important factor to fix…
What Is Working Capital? Definition & Explanation
Key Takeaways Working capital = current assets − current liabilities. A positive number means you can cover short-term obligations; a negative number means liabilities exceed available resources.…
FAQ
Frequently Asked Questions
What is online business financing?
Capital your business applies for and receives through a digital lender rather than a bank branch. It covers structures like small business loans, lines of credit and revenue advances. The application, the document upload and the funding all happen online, which is why a decision comes back in hours rather than weeks.
How does online business financing work?
You submit an online application, an in-house loan advisor reviews your business and talks through what you actually need, and a decision comes back — often the same day. Once you accept an offer and sign, funds can land as soon as that same day. Nanotom Capital looks at your revenue, your time in business and your cash flow rather than at a credit score alone.
How fast can I get funded?
Decisions often come back the same day once your documentation is in, and funds can land as soon as the day you sign. Timelines vary by program and by how quickly you can get documents to us.
What credit score do I need?
Nanotom Capital works with businesses from a 551 personal FICO® score. A stronger score opens up more options, but credit is only one input — revenue consistency, time in business and overall cash flow all count, and some programs still work for businesses with less-than-perfect credit. Below 551, the DIY programs are built to get you back to approval-ready.
Will applying affect my credit score?
No. Applications are reviewed with a soft credit check, which does not affect your credit score. There is no cost to apply and no obligation to accept an offer.
What can I use the funds for?
Essentially any business purpose: payroll, inventory, equipment, renovations, marketing, expansion, or bridging the gap between invoicing and getting paid. Nanotom Capital does not restrict how you spread the capital across the business.
What do I need to apply?
Nothing, to start. The first step is just a form — nothing to gather and nothing to upload, and it is enough for our team to review. Start the intake form. For a full application we will need proof of identity, your last three bank statements, and a signed merchant authorization.