Quick Summary: Working capital is short-term business funding, usually 6 to 36 months, for gaps like payroll, inventory or a slow season. Lexington Capital's general guidelines are at least 6 months in business, at least $100,000 in yearly revenue and your last 4 months of business bank statements, with no minimum credit score. Once approved, funds can arrive in 24 to 48 hours. It's fast, so it's best for short-term needs.
Every business owner knows the feeling. The work is booked, the customers are good for it, and the bank account still says "not this week." Working capital is built for that gap.
This guide explains what it's for, what Lexington Capital generally looks for, and the honest question to ask before you take it.
What Working Capital Is For
Working capital is money to keep the business running day to day. Owners use it to:
- Make payroll while customer payments catch up.
- Stock up before a busy season.
- Get through a slow month without falling behind.
- Take a big order they'd otherwise have to turn down.
The terms are short, from 6 to 36 months, and the biggest advantage is speed. Once approved, funds can arrive in 24 to 48 hours.
What Lexington Capital Generally Looks For
Under Lexington's general guidelines, which can change:
- At least 6 months in business.
- At least $100,000 in yearly revenue.
- Your last 4 months of business bank statements.
There is no minimum credit score for this program, which is why it can help when your personal credit is still recovering. Lexington reviews each application on its own numbers.
Andrés owns a landscaping business in Middlesex County. Every March he needs mulch, plants and two seasonal workers before the first spring checks come in. A short working capital term covers that first month, and he plans to pay it off by early summer when the season is in full swing. (This is an illustration, not a real client.)
Kevin helps you get ready and submits the application. Lexington Capital makes the decision.
The Honest Question to Ask First
Fast money usually costs more than slower money. That doesn't make it bad, but it does mean it should earn its keep. Before you sign, ask:
- Will this money bring in more than it costs, or prevent a bigger problem, like losing a key employee or a big customer?
- Can your sales comfortably carry the payment schedule?
- Is this a one-time gap, or does it happen every month?
If the gap shows up every month, the real issue is cash flow, and a revolving option like a business line of credit or a revenue-based line may fit better. Kevin will tell you if he thinks so.
Note: Financing is provided by Lexington Capital, not by Kevin Gaviria or Gaviria Life Insurance Solutions. Kevin is a referral partner of Lexington Capital, not a lender, and may receive a referral fee. Lexington Capital reviews every application and makes all credit decisions. Not every applicant is approved.
Read the Agreement Like It's Your Money
Because it is. Before you accept anything, look at the total cost, how often payments come out, and what happens if you pay early. Lexington Capital shows you the amount, cost and terms, and nothing is final until you accept.
A Simple Next Step
Want to see whether working capital or another program fits better? The 2-minute program check asks for rough ranges only and shows which programs may fit. Or call or text Kevin at (848) 212-8787.
FAQs: Working Capital
There's no minimum credit score under Lexington's general guidelines. Time in business, yearly revenue and your recent bank statements matter most.
Once approved, funds can arrive in 24 to 48 hours. Getting your bank statements together quickly helps the whole process move.
Usually 6 to 36 months. It's meant for short-term needs, not long-term projects.
No. Working capital is usually a set amount repaid over a set term. A line of credit is a limit you draw on, repay and use again.
Your last 4 months of business bank statements and basic business details. Kevin sends a private upload link when it's time; never text or email them.