Your business changes every day.Your working capital should keep up.
Access working capital aligned with where your business is headed, not where it has been. Transparent answers from operators who have been in your shoes give you confidence in who you borrow from.
Sized to your business today
Your bank line tells you what your bank is willing to lend.It doesn’t tell you what your business can support.
Working capital from Beyondthebank is sized to the work in front of you: the contracts you’ve signed, the invoices you’ve sent and the orders you need to fill.
Start a contract or project
Mobilization, initial payroll, materials, and other startup costs.
Keep work moving
Crews, subcontractors, suppliers, freight, and recurring operating expenses while awaiting payment.
Take on a larger order
Raw materials, inventory, and production costs before the customer pays.
Manage payment delays
Cover the time between delivering work, invoicing, and collecting receivables.
Run multiple jobs at once
Avoid having cash tied up in one job prevent the next one from starting.
Handle seasonal or uneven cash flow
Meet obligations when expenses and customer payments fall in different periods.
Preserve capacity on an existing bank line
Finance eligible contracts, invoices, or orders without requiring that line to carry every job.
Who we support
Choose your business to see where working capital fits.
Capital calculator
Example answers to start. Change any of them.
Estimated funding: $900,000 to $950,000.
Estimates are based on your answers and are not an approval or a commitment to fund. Your actual funding amount will depend on a review of your business and supporting documents.
The process is the difference
Banks look at where you’ve been.We look at where you’re headed.
When the next contract is bigger than your history, a bank’s answer is usually no, or not yet. We start with what your business is earning now and size the capital to the work in front of you.
Straight answers are part of the deal.
Established businesses that sell to other businesses with creditworthy customers on terms. We specialize in construction companies and subcontractors, staffing firms, manufacturers and distributors, and transportation and logistics companies. What they have in common is that payroll, materials and other costs come due well before the customer pays.
Payroll, materials, inventory, supplier payments and other operating costs, and the upfront cost of a new contract or a larger order. The right structure depends on what you need to pay for and when you expect to be paid.
Often, yes. A bank’s no is a judgment on your history; it is not the last word on your options. We look at your receivables, contracts, equipment and customer payment cycles alongside your financials to see what another structure may support.
Yes. Existing debt doesn’t disqualify you on its own. Much of what we do works alongside a bank line or other loans. We review those obligations and any liens to see what is possible and whether your current lender needs to be part of the conversation.
It depends on the financing type, the receivables or other assets behind it, your customers and your existing obligations. We are committed to quick answers, often in one business day, once your application is received. Any final amount is set in underwriting and subject to verification and approval.
The basics: your business, revenue, customers, payment cycles and what the capital is for. Our application process is meant to be efficient, and we only ask for information you likely have readily available.
No. Using the calculator and starting your application do not involve a hard credit pull. If a hard inquiry is needed later in the process, we explain it and get your authorization before it happens.
No. Once your application is received, and terms are issued, they are typically valid for up to 30 days.
We review your application and come back with the options that fit, what they would involve and what we would need to move forward. Nothing goes to credit until you authorize it.
We move quickly, and the process is built so you are never waiting on us to find out where you stand. Timing depends on the type of financing, how fast the required information comes together and what has to be verified. Once we understand your situation, we lay out a realistic funding timeline and what has to happen to get there.
Run the calculator anyway. Knowing your options before you need capital helps you plan for a new contract, a larger order or a seasonal cash need. There is no obligation, and we can pick your information back up when the timing makes sense.
What’s your next move?
Turn your opportunity into reality with clear terms, transparent processes, and decisions based on potential, not just history.