What is a working capital loan?
Working capital loans from Icarus Fund give your business the flexibility to grow on your terms, with capital built to meet your momentum instead of slowing it down.
Apply NowWorking Capital
Keep Your Business Moving with Smart Working Capital
Whether you’re covering payroll, bridging slow-paying contracts, or stocking up ahead of demand—our flexible working capital solutions are built to meet your momentum, not slow it down.
Our Impact
We fund businesses that are ready to grow. With over $900M funded across 1,000+ companies, Icarus Fund delivers fast, flexible capital to help you seize opportunities and keep moving forward.
$900M+Funded
81Industries Served
1,000+Businesses Funded
Working Capital
Flexible capital for payroll, inventory, contracts, and daily operations.
Boost Your Cash Flow
Secure fast capital to manage operations, pay vendors, or bridge income gaps without missed opportunities.
Prioritize Key Operations
Fund marketing, upgrade tools, buy inventory, cover rent and utilities, or support work that helps you scale.
Handle Seasonal Expenses
Prepare for busy seasons or unexpected slowdowns with capital for payroll, hiring, and supplies.
Simple Process
A simple process, built for business owners.
Submit Your Application
Fill out a quick, no-hassle form with no piles of paperwork and no impact on your credit score.
Get a Decision Fast
Receive a funding decision as quickly as 24 hours, built around your goals and qualifications.
Receive Your Funds
Once approved, funds are sent to your business account, often in one lump sum within 1-3 business days.
What Sets Us Apart
Working capital that works as hard as you do.
Extended-term financing without daily repayment pressure.
Icarus Fund working capital loans are designed to minimize pressure and maximize possibilities, giving you capital for operations, growth, and timing gaps.
Apply NowWhat Sets Us Apart
Icarus Fund
Merchant Cash Advance
APR
As low as 8.23%
High rates upwards of 350%
Fixed or Variable Payments
100% fixed installments
% of credit card sales + fixed withdrawals
Payment Frequency
Monthly
On a daily basis
Repayment Terms
Up to 84 months
Based on sales. Ranges from 3-24 months
Benefits
Benefits of an Icarus Fund working capital loan.
Keep operations moving without disruption.
Working capital is the lifeline of daily operations. Icarus Fund makes access simple, fast, and flexible so you can cover payroll, ramp inventory, navigate slower seasons, and keep moving forward.
Apply for Working CapitalBridge Cash Flow Gaps
Cover short-term expenses like payroll, rent, or vendor invoices during slow seasons or billing delays.
Fund Business Essentials
Use capital for daily operations, marketing, restocking, repairs, and other needs that keep the business running.
Speed to Funding
Get funds quickly so you can act on opportunities or challenges immediately.
Transparent Terms
Clear and fair terms help you know exactly what you are getting into.
Flexible Funds
Flexible funds to fit your needs.
Once approved, working capital can support payroll, inventory, equipment, refinancing, or expansion, giving you control over where the funds make the biggest impact.
Let's Work TogetherOffset costs during the busy season
Purchase more inventory
Cover your business payroll
Finance new growth and expansion
FAQs
Frequently asked questions
What can I use a working capital loan for?
Working capital loans can support everyday business needs such as payroll, inventory, marketing, vendor payments, and cash-flow gaps during slower seasons.
How fast can I receive funding?
Many clients receive funds within 24 to 72 hours after approval, so they can act when the business needs capital most.
Will applying impact my credit score?
No. You can check eligibility and apply without affecting your personal or business credit score.
Do I need collateral to qualify?
Not necessarily. Many working capital loans are unsecured, meaning you may not need to pledge physical assets to qualify.
Can I use a working capital loan during a seasonal slowdown?
Yes. Working capital loans are well suited for bridging seasonal dips in revenue or ramping up ahead of peak demand.
How is a working capital loan different from a term loan?
Working capital loans are generally more flexible and designed for immediate operational needs, while term loans are often used for larger long-term investments.