Inaroy Capital

Working Capital

What is a working capital loan?

It helps businesses raise funds fast, easy, and trusted way. They are commonly used for immediate needs or opportunities such as buying inventories, expansion plans, and general working capital needs. These loans are generally considered less risky than long-term financing, meaning you are more likely to receive an approval.

How do working capital loans work?

After receiving a lump sum deposit into your business bank account, you repay with an agreed daily, weekly, or monthly amount that is automatically debited. The repayment schedule is set up front so there are no surprises.

Qualification: Time in business 6+ months, Credit Score 500+, Monthly Revenue $10,000+

Funding Range $5k-$1M, Terms 3-18 mo, Speed 24 hours

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A sleek navy-blue hardcover business plan folder lies open on a brushed steel desk, revealing crisp financial charts and loan approval documents with subtle Inaroy-Capital branding. A modern silver laptop displays a clear dashboard of funding options, while a glass paperweight and a neatly stacked set of manila folders add structure around it. Soft daylight from a large office window washes across the surface, creating gentle reflections on the metal and glass. Photographic realism with clean, modern aesthetics, shot at eye level with a shallow depth of field, keeping the documents in sharp focus while the background blurs into an upscale, professional office interior. The mood is confident, organized, and focused on growth.
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Line of Credit

What is a business line of credit?

It is a revolving financing option that gives you access to a set amount of capital, you can draw funds when needed, repay them, and draw again without reapplying. Unlike working capital where you receive a lump sum, a line of credit lets you borrow only what you need pay interest only what you use.

Qualification: Time in business 6+ months, Monthly Revenue $10,000+, Credit Score 600+

Funding Range: $5k – $500K, Terms 12-24 Months, Speed 2-5 days

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Equipment Financing

What is equipment financing?

It is the process of obtaining business equipment using a loan. You purchase the equipment and make payments over time. Similar to an auto loan, the equipment itself acts as collateral, which means lower rates compared to unsecured financing.

The right equipment takes your business to the next level. Whether it is forklifts, medical devices, or vehicles, we will find the best financing option so you can acquire what you need without draining your cash reserves.

Qualification: Time in Business 6+months, Credit Score 600+, Monthly Revenue $10,000+

Funding Range: $5k-$2M, Terms 2-7 years, Speed 3-7 days

Our team is here to help if you have any questions

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