Working capital loan leads for business lenders and brokers
Small business owners with a specific gap to fill and a repayment plan in mind.
A working capital loan lead is a business owner with a number in mind and a reason for it. This page is about term working capital: a lump sum that funds the gap and is repaid on a fixed schedule, usually within a year or two. That differs from a revolving line, which has its own page under business lines of credit. Our campaigns find owners ready for the term version and capture amount, purpose and timing.
- Amount needed and purpose captured
- Revenue, time in business and credit range noted
- Exclusive to one lender or broker
Watch it in 46 seconds
A 46-second explainer from the Amplify Leads team: working capital loan leads.
What Working capital leads look like when they reach you
The gap
A payroll shortfall, a slow season, a late customer or a growth push, with the date the cash is needed.
The business
Industry, monthly revenue, time in operation and whether the owner already carries other debt.
The structure
How much they want, the term they expect and whether a fixed repayment schedule suits them.
If the owner wants to draw and repay repeatedly, they want a line, not this product. Send them to your revolving line campaign.
You can get these through a managed campaign under your name or pay per lead. Related: business credit leads, revenue-based financing leads, and MCA leads. See every commercial lending lead type.
Who takes a short-term working capital loan?
Restaurants that build up for summer, lawn care crews that carry winter payroll, retailers that buy holiday stock in August, contractors waiting on a draw. These owners do not need a mortgage-sized commitment. They need a defined amount for a defined stretch. Many have already tried a bank and run into slow processing or tight documentation requirements. They often prefer a fixed payment they can budget over an open line, which is why term products attract a distinct audience.
What makes a working capital lead worth a call?
The best leads state a purpose and an amount that fit their revenue. A twelve-month-old bakery asking for a sum close to a few months of sales is plausible. A brand new idea asking for a large sum with no revenue is not. Look for steady deposits, a specific use of funds and an owner who understands the repayment schedule. We capture revenue range and time in business so the weak files fall out before you dial, not during the call.
Qualifying questions on the working capital form
The form fits on a phone screen and avoids paperwork requests.
- How much working capital do you need?
- What will you use it for?
- How long have you been in business?
- What is your average monthly revenue?
- What is your approximate credit score range?
- How soon do you need the funds?
How we advertise a term working capital product
The angle is a clear use of funds: cover payroll through the slow season, buy stock early, bridge a late payer. Facebook speaks to owners in seasonal trades with a visual, plain-spoken message. Google Search catches owners already typing working capital loan and fast business funding. The landing page promises a quick conversation about options, never a guaranteed amount or timing. We reply the same business day. Campaigns go live in 1 to 2 weeks, and speed in your own first call matters here more than in most programs.
Compliance and state disclosure notes
TCPA consent is required for calls and texts, and the form captures it separately. Business-purpose loans generally sit outside Regulation Z, but a growing number of states require commercial financing disclosures at the offer stage, and some regulate brokers and lenders. Keep ads free of rate or payment figures unless your compliance contact approves them. Do not imply approval. Meta ad policies on financial products and special categories change, so check the current rules for your targeting before launching.
Before you reach out
Is this the same as the business line of credit page?
No. A line revolves: borrow, repay, borrow again. A working capital term loan is funded once and repaid on a schedule. The form asks which the owner wants, and the campaigns differ.
Which industries respond best?
Seasonal businesses like lawn care, retail and restaurants, plus service firms with uneven receipts. We tune each campaign to the industries your product fits.
Do you pre-screen for credit?
We ask for a credit range and revenue, so you can sort files by what you can fund. We do not pull credit or promise outcomes.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.