Working Capital

Flexible funding for ever-changing business demands

Man in a warehouse discussing inventory with a colleague.

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Capital Delivered. Confidence Retained.

Working capital supports the daily cash flow required to run business operations with needs that vary across industries and operating environments. With national-scale flexibility, Pathward finances real-world business demands and handles each deal with care, clarity, and speed.

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Meet day-to-day funding needs

We help businesses secure working capital to meet requirements and support healthy cash flow.

Put assets to work through collateral-based solutions

Asset-based solutions help manage shifts in demand or liquidity without compromising profit margins.

A right-on-time solution for changing conditions

Seasonality. Slow-paying customers. Infrequent purchases. Our streamlined approach helps address these moments with the flexibility and speed modern businesses require.

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Meet the Team

Individualized Solutions That Work

Our working capital programs are structured around a business’ assets – receivables, inventory, machinery, or equipment – with funding tailored and calibrated to operational needs.

Woman in a warehouse viewing inventory on tablet.

A Lending Plan with Growth in Mind

Asset-based solutions provide the capacity to support growth, recapitalization, shareholder transitions, and day-to-day operational needs. Lending availability scales with business size and objectives, ensuring access to capital when operational conditions require it.

Funds Based on Assets, Not Equity

Asset-based lending provides a line of credit determined by eligible receivables, inventory, and equipment without giving up equity. It is capital structured around an existing foundation while meeting fluctuating operational demands.

“My experience from account management to audit has been nothing but positive. The team is knowledgeable, professional and responsive to our needs.”

Daniel Houde

Director of Finance, Creative Mines, LLC

Commercial Finance products subject to underwriting.

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