Working Capital Loans for Startups
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Secure up to $750,000 in just 1 to 2 business days
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No collateral needed — protect your business and personal assets
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Enjoy competitive interest rates starting at 7%
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Choose a loan term between 6 and 24 months
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We offer custom payment plans that align with your cash flow
How Startups Use Working Capital Loans
Your startup’s needs are unique. Here’s how most of our clients use their loans:
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​Upgrade or expand your workspace
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Hire new staff or support contractors during busy months
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Order inventory ahead of seasonal spikes
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Cover rent, payroll, or day-to-day operational expenses
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Invest in marketing and lead generation
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Purchase software or tools to enhance efficiency
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Take advantage of limited-time growth opportunities​
* We never dictate how to use your loan — we give you the freedom to decide what’s best for your business.
Who Can Apply?
If your business has been operating for at least six months, generates consistent monthly revenue, and you're looking for short-term funding to improve operations or manage cash flow, Ingot Capital may be the right fit for you.
Our working capital loans are ideal for founders who want fast approval without jumping through hoops and prefer flexible repayment options over the rigid terms banks usually offer.
We work with early-stage companies across a wide range of growing sectors, including retail, e-commerce, food and beverage, tech startups, logistics, and more.
Why Choose Ingot Capital?
Startup-Friendly Terms
We support early-stage businesses that traditional banks ignore.
No Red Tape
Our application process is straightforward, with minimal documentation.
Fast Funding
We process loans quickly so you can take action fast.
Personalized Support
Our advisors guide you every step of the way.
Transparent Pricing
No hidden fees. Just clear, honest terms.
