Working capital for established businesses
Fund What's Next,
Not Just What's Urgent.
You won the account. Materials and payroll are due now. The first invoice may not clear for 45 days. The opportunity is real—and so is the timing gap.
What would your business move on if timing weren't the constraint?
The idea most owners learn by living it
Your business can be profitable and still run short of cash.
Profit lives across the full job. Payroll lives on Friday. Your customer may have 45 days. Your vendors don't.
Understand profit versus liquidity →Illustrative contract
You won the contract. The customer pays last.
Profit and liquidity are not the same thing. A profitable job can still require cash weeks before the customer pays.
- Day 1Contract awarded
- Day 3Materials−$28,000
- Day 7Payroll−$14,000
- Day 14Work begins
- Day 30Invoice sent
- Day 60–75Payment arrives
The decision lens
Put purpose, timing, return, and downside in the same frame.
Serious capital decisions become clearer when the operating sequence and the financial consequence can be seen together.
Start with the moment you recognize
This was written for somebody like you.
Choose the operating reality—not a product category.
You won the contract. Can you afford to start it?
Contracts, expansion, hiring, and locations
Explore →BUYThe inventory discount is real. Is borrowing for it worth it?
Inventory, seasonal purchasing, and equipment
Explore →BRIDGEYour customers pay Net 45. Your employees don’t.
Receivables, payroll, and timing gaps
Explore →PREPAREFind out what could slow the application down.
Statements, readiness, and amount planning
Explore →DECIDEMore capital isn’t automatically better.
Costs, comparisons, and when to apply
Explore →Private by design
Are the application and the decision both ready?
Documents answer one question. A defined, considered use answers another. This check predicts neither approval nor a credit decision.
Complete the preparation check
Six consecutive business statements. Every page. Nothing redacted.
Complete the decision check
This result does not predict what any funding provider will approve.
Put the opportunity on paper
How much cash does the opportunity actually require?
Add what must go out before the expected money comes in. Then subtract the cash and inflows already available to cover it.
Not eligibility, borrowing capacity, or an approval amount. Open the full calculator →
A signature planning idea
Ask for a purpose, not a round number.
“I want $100,000.”
A requested amount is not an approved amount, and a larger request does not manufacture a larger offer.
- 01What specifically requires capital?
- 02What will it cost—and when?
- 03What cash is already available?
- 04What contingency is reasonable?
- 05When does money return to the business?
Revenue is not the decision
Does the opportunity still make money after the cost of capital?
Revenue can look impressive. Margin is what matters. Put the actual economics on paper before you decide.
What would have to go right?
Volume, price, margin, timing, and execution.
What could make it less attractive?
Slower sales, added labor, overruns, delays, or higher capital cost.
The inventory cycle
The opportunity exists before the revenue does.
Your supplier has the inventory. Customers may want it six weeks from now. The cash sequence starts today.
- Supplier opportunity
- Purchase
- Arrival
- Selling period
- Customer purchase
- Cash replenishes
One application. One document standard.
Six statements. Complete. Consecutive. Unredacted.
One clear checklist. No guessing what to send. One completed T.A.G. Business Funding application plus the six most recent consecutive business bank statements.
0 of 7 complete
15 chapters. No filler.
Growth can make a profitable company cash-poor before it makes it richer.
A 15-chapter field guide to contract mobilization, inventory timing, receivables, capital gaps, funding choices, statement preparation, and the questions worth asking before accepting an offer.
Read the Flagship GuideTransparent by design
Truth protects the relationship.
Capital Ready is an educational business-funding resource associated with T.A.G. Business Funding, an independent ISO. When a visitor chooses to apply, the secure application is completed through T.A.G. Business Funding.
Your calculator inputs stay with you. No bank statements are collected here. No invasive tracking is installed.
Ready when you are
Six statements ready? Every page included? Nothing redacted?
When your six statements are ready and the decision makes sense for your business, continue to the secure T.A.G. Business Funding application.