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.
$4.2B+Committed Capital
$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.
Full Working Capital Source Text
Working 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.
Large loan amounts: Up to $20M+
Fixed affordable payments: Terms up to 7 years
Fast funding: In as few as 3 days
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.
$4.2B+
Committed Capital
$900M+
Funded
81
Industries Served
1,000+
Businesses Funded
What is a Working Capital Loan?
Working capital loans from Icarus Fund give your business the flexibility to grow on your terms.
Boost Your Cash Flow
Secure fast capital to manage day-to-day operations, pay vendors, or bridge income gaps—so your business keeps moving forward without delays, disruptions, or missed opportunities.
Prioritize Key Operations
Use your working capital loan to fund marketing, upgrade tools, buy inventory, or cover rent and utilities—whatever helps your business run more efficiently and scale strategically.
Handle Seasonal Expenses
Prepare for busy seasons or unexpected slowdowns with flexible capital that helps cover payroll, ramp up hiring, or stock supplies—giving your business room to breathe year-round.
Apply Now
A Simple Process, Built for Business Owners
We know your time is valuable—so we’ve made applying for working capital fast, easy, and stress-free. Here’s what to expect:
1
Submit Your Application
Fill out our quick, no-hassle form. No piles of paperwork, and no impact on your credit score just to see your options.
2
Get a Decision Fast
Our team reviews your application & provides a funding decision in as little as 24 hours built around your goals and qualifications.
3
Receive Your Funds
Once approved, funds are sent to your business account—often in one lump sum in as little as 1–3 business days.
Working Capital That Works as Hard as You Do
Unlock flexible, extended-term financing from Icarus Fund to fuel your day-to-day operations and future growth. Our working capital loans are designed to minimize pressure—and maximize possibilities.
Apply Now
What Sets Us Apart
Merchant Cash Advance
APR
Fixed or Variable Payments
Payment Frquency
Repayment Terms
As low as 8.23%
100% fixed installments
Monthly
Up to 84 months
High rates upwards of 350%
% of credit card sales + fixed withdrawals
On a daily basis
Based on sales. Ranges from 3 - 24 months
Benefits of an Icarus Fund Working Capital Loan
Working capital is the lifeline of your daily operations—and at Icarus Fund, we make accessing it simple, fast, and flexible. Whether you’re covering payroll, ramping up inventory, or navigating slower seasons, our working capital loans are built to keep your business moving forward without disruption.
Apply for Working Capital
Bridge 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, or anything else that keeps your business running smoothly.
Speed to Funding
Get funds in your account in as little as 24–72 hours, so you can act on opportunities or challenges immediately.
Transparent Terms
Our clear and fair terms let you know exactly what you’re getting into.
Flexible funds to fit your needs
One of the greatest advantages of an Icarus Fund Business Term Loan is its flexibility. Once approved, you can put your capital to work in nearly any way that supports your business—whether it’s stabilizing cash flow, refinancing debt, investing in equipment, or fueling expansion. You’re in control of how and where the funds make the biggest impact.
Offset costs during the busy season
Purchase more inventory
Cover your businesses payroll
Finance new growth and expansion
Let's Work Together
FAQ's
FREQUENTLY ASKED QUESTIONS
What can I use a working capital loan for?
You can use working capital loans for everyday business needs—such as payroll, inventory, marketing, vendor payments, or covering cash flow gaps during slow seasons.
How fast can I receive funding?
Many of our clients receive funds within 24 to 72 hours after approval. We prioritize speed so you can take action when your business needs it most.
Will applying impact my credit score?
No. You can check your eligibility and apply without affecting your personal or business credit score—no hard pull required.
Do I need collateral to qualify?
Not necessarily. Many of our working capital loans are unsecured , meaning you won’t need to put up physical assets to qualify.
Can I use a working capital loan during a seasonal slowdown?
Yes—these loans are ideal for bridging seasonal dips in revenue or ramping up ahead of peak months.
How is a working capital loan different from a term loan?
Working capital loans are typically shorter-term, more flexible , and designed for immediate operational needs. Term loans are often used for larger, long-term investments.