What it covers
Working capital is the day-to-day cash a business needs while it waits to be paid: payroll, rent, supplier invoices, insurance, fuel, materials. When money going out arrives before money coming in, the business has a gap. The gap is not a sign of a weak company; a profitable shop can be short for a few weeks when a large customer pays late or a busy season needs inventory in advance.
Santa Rosa's cash calendar
Wikipedia calls Santa Rosa the largest city in California's Wine Country and the seat of Sonoma County, a region of vineyards, hops, apples, dairy and poultry that also draws millions of visitors each year. Local companies it names include Moonlight Brewing Company, Russian River Brewing Company and Keysight. Each sits on a different payment rhythm:
- Producers buy ingredients and packaging weeks before a distributor pays.
- Hospitality operators hire and stock ahead of the busy weekends.
- Farm-service and trade businesses carry fuel, labor and parts through a job before the invoice pays.
- Retail shops buy for the holiday months well ahead of December.
Sizing your own gap, for illustration
For illustration only, a Santa Rosa distributor with $30,000 of monthly payroll and supplier costs lands a $60,000 order paid net 45. Until the payment arrives, it has spent a month and a half of costs against the order. Add what leaves each week, subtract what reliably arrives, and the lowest point of the running total is the gap to cover. These are round numbers, not our terms.
A second example: the retailer who buys early
For illustration only, a Santa Rosa gift and food shop buys most of its holiday stock in the autumn, putting perhaps $25,000 on suppliers weeks before the shoppers arrive. Its sales for the year might be fine, yet in October it has less cash than at any other time. This is the classic seasonal squeeze, and the fix is a bridge sized to the stock bill, not to the year's revenue. Round numbers, not our terms.
The same logic applies to the vineyard-service business buying parts before harvest and to the restaurant hiring before tourist season. Name the month the money runs out, the month it comes back, and the dollar difference.
Which product matches which problem
| Situation | Consider |
|---|---|
| One lasting purchase | Equipment financing or a term loan |
| Sharply seasonal revenue | Revenue-based financing |
| Advance payments already crowd the account | MCA relief |
Getting started
We fund $25,000 to $5,000,000, with funding in as little as 24 hours once approved. We consider FICO 500 and above, ask for about three months of business bank statements and do not require tax returns. The application takes about five minutes with a soft credit pull; sole proprietors can apply. See Sonoma County business funding for the wider picture, or apply here and say what the money will cover.