Working capital
Keep the wheels turning.
Cash flow gaps are a fact of business. Avoir matches you to working capital lenders who keep your operations moving.
Bridge the gap while you wait for invoices, manage seasonal dips, or fund growth. No collateral, no property, decisions in hours.
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2 minutes · No credit check · Free
The details
Working capital at a glance
Common uses
Invoice bridging
Cover costs while waiting for clients to pay
Seasonal cash flow
Smooth over quiet periods and ramp for peak
Payroll coverage
Keep your team paid during slow weeks
Unexpected expenses
Handle surprises without draining reserves
Inventory purchases
Stock up ahead of demand without cash pressure
Common questions
What is working capital finance?
Working capital finance is short-term funding designed to cover everyday operating costs like payroll, rent, inventory, and supplier payments. Avoir connects you to non-bank lenders who assess your cash flow rather than requiring property, so you can bridge revenue gaps quickly.
How is working capital finance different from a business loan?
A standard business loan is typically for a specific purchase or investment, while working capital finance is designed to keep daily operations running smoothly during cash flow gaps. Non-bank lenders on Avoir's panel offer faster decisions because they focus on your revenue patterns rather than traditional lending criteria.
How quickly can I access working capital?
Through Avoir's lending partners, most working capital applications receive a decision within 2 hours, with funds available within 24 hours. There's no property security to arrange, which eliminates the biggest delay in traditional business lending.
Do I need to be profitable to get working capital finance?
Not necessarily — lenders assess your cash flow and revenue consistency, not just profitability on paper. Seasonal businesses or those reinvesting heavily can still qualify. Avoir's non-bank lending partners look at your bank statements to understand your real trading position.