Working Capital Financing
Funding solutions for day-to-day operations, payroll, inventory and business expenses.
Understanding working capital financing
Working capital financing helps businesses cover the everyday costs of running operations, from payroll and rent to inventory and supplier payments. It is designed to keep things moving when revenue timing and expenses don't line up.
APX Funding works with a network of funding partners who offer different working capital structures. We help you understand the options that may be available based on your business profile and needs.
Common use cases
- Meeting payroll obligations
- Restocking inventory
- Paying suppliers and vendors
- Covering rent, utilities and overhead
- Managing gaps between invoicing and payment
- Preparing for seasonal demand
Potential benefits
Operational stability
Helps smooth out cash flow so day-to-day operations aren't disrupted.
Multiple structures
Options may include revenue-based advances, short-term financing and lines of credit.
Use where you need it
Funds are typically available for general business purposes.
Guided comparison
We help you understand the terms of each available option before you decide.
Benefits depend on the specific product, provider and terms offered.
General eligibility considerations
Each funding partner sets its own criteria. Common considerations include:
- An operating Canadian business
- Demonstrated, consistent revenue
- Business bank statements and basic financial information
- Time in business and credit profile, as assessed by each funding partner
Frequently asked questions
Working capital financing is generally aimed at short-term operational needs, while term loans are typically structured for larger, longer-term investments with a fixed repayment schedule. The right fit depends on your purpose and eligibility.
APX Funding is an independent commercial financing brokerage and is not a bank or direct lender. We work with third-party funding partners. All financing is subject to eligibility, underwriting, funding partner terms and final approval by the funding provider. Submitting an application does not guarantee approval, a specific amount, rate, term or funding timeline.
Ready to explore your funding options?
Complete our secure online application and our team will review your financing needs.
Applying does not guarantee approval. Financing is subject to eligibility and funding partner terms.