• Working Capital

Keep Your Business Moving with Smart Working Capital

Whether you’re covering payroll, bridging slow-paying contracts, or stocking up ahead of demand—our flexible working capital solutions are built to meet your momentum, not slow it down.

Large loan amounts: Up to $20M+
Fixed affordable payments: Terms up to 7 years
Fast funding: In as few as 3 days

Our Impact

We fund businesses that are ready to grow. With over $900M funded across 1,000+ companies, Icarus Fund delivers fast, flexible capital to help you seize opportunities and keep moving forward.

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Commited Capital

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Funded

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Industries Served

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Businesses Funded

What is a Working Capital Loan?

Working capital loans from Icarus Fund give your business the flexibility to grow on your terms.

Boost Your Cash Flow

Secure fast capital to manage day-to-day operations, pay vendors, or bridge income gaps—so your business keeps moving forward without delays, disruptions, or missed opportunities.

Prioritize Key Operations

Use your working capital loan to fund marketing, upgrade tools, buy inventory, or cover rent and utilities—whatever helps your business run more efficiently and scale strategically.

Handle Seasonal Expenses

Prepare for busy seasons or unexpected slowdowns with flexible capital that helps cover payroll, ramp up hiring, or stock supplies—giving your business room to breathe year-round.

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A Simple Process, Built for Business Owners

We know your time is valuable—so we’ve made applying for working capital fast, easy, and stress-free. Here’s what to expect:

1
Submit Your Application

Fill out our quick, no-hassle form. No piles of paperwork, and no impact on your credit score just to see your options.

2
Get a Decision Fast

Our team reviews your application & provides a funding decision in as little as 24 hours built around your goals and qualifications.

3
Receive Your Funds

Once approved, funds are sent to your business account—often in one lump sum in as little as 1–3 business days.

Working Capital That Works as Hard as You Do

Unlock flexible, extended-term financing from Icarus Fund to fuel your day-to-day operations and future growth. Our working capital loans are designed to minimize pressure—and maximize possibilities.

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What Sets Us Apart

Merchant Cash Advance

  • APR

  • Fixed or Variable Payments

  • Payment Frquency

  • Repayment Terms

  • As low as 8.23%

  • 100% fixed installments

  • Monthly

  • Up to 84 months

  • High rates upwards of 350%

  • % of credit card sales + fixed withdrawals

  • On a daily basis

  • Based on sales. Ranges from 3 - 24 months

Benefits of an Icarus Fund Working Capital Loan

Working capital is the lifeline of your daily operations—and at Icarus Fund, we make accessing it simple, fast, and flexible. Whether you’re covering payroll, ramping up inventory, or navigating slower seasons, our working capital loans are built to keep your business moving forward without disruption.

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Bridge Cash Flow Gaps

Cover short-term expenses like payroll, rent, or vendor invoices during slow seasons or billing delays.

Fund Business Essentials

Use capital for daily operations—marketing, restocking, repairs, or anything else that keeps your business running smoothly.

Speed to Funding

Get funds in your account in as little as 24–72 hours, so you can act on opportunities or challenges immediately.

Transparent Terms

Our clear and fair terms let you know exactly what you’re getting into.

Flexible funds to fit your needs

One of the greatest advantages of an Icarus Fund Business Term Loan is its flexibility. Once approved, you can put your capital to work in nearly any way that supports your business—whether it’s stabilizing cash flow, refinancing debt, investing in equipment, or fueling expansion. You’re in control of how and where the funds make the biggest impact.

  • Offset costs during the busy season
  • Purchase more inventory
  • Cover your businesses payroll
  • Finance new growth and expansion
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