Working Capital That Moves at the Speed of Your Business

You apply in minutes with your last four months of bank statements. A dedicated Business Funding Advisor sizes the amount ($5K to $2M) and term (6 to 24 months) to your need, presents the full cost upfront, and gets you funded quickly. It's a flexible funding program that delivers upfront capital for operating needs, and it's designed to be renewable as your business grows.

Coast's program ranges from $5,000 to $2,000,000, with your approval driven primarily by revenue, cash flow, and bank balances. Rather than pushing the maximum, your advisor sizes the funding to the purpose — enough to cover payroll, stock inventory, or bridge the gap, without carrying more capital than the job requires. That's what responsible funding looks like in practice, and it's why clients come back.

The baseline is 1+ year in business, $100K+ in annual revenue, a minimum 600+ FICO, and an active business bank account. Documentation is light: a short application plus your last four months of business bank statements, with no hard credit pull to apply. Because underwriting emphasizes the strength of your business, established companies with consistent deposits and healthy balances see the strongest approvals.

Decisions come in minutes, approvals often land the same day, and funding arrives in as little as 24 hours. In many cases, funds can reach your account the same business day — closing documents simply need to be completed by 11 AM PT, Monday through Friday; weekend approvals are processed the next business day. If timing matters, tell your advisor the date you're working against and we'll structure around it.

Your cost is quoted as a monthly rate based on your business's qualifications and the term you select — and you pay for the time the funds are outstanding, so early payoff reduces your total cost of capital. Before you sign, your advisor presents the full repayment amount and total cost in plain numbers. No surprises, no pressure toward a longer term than the need justifies.

No. Coast's working capital program delivers upfront capital for a defined operating need on a 6-to-24-month term, while a business line of credit is revolving credit you draw against and repay repeatedly. Coast offers both. If you need capital several times a year and want a standing limit, the line of credit fits; if you have a specific short-term need and want it funded fast, working capital is usually the cleaner answer.

Any legitimate operating need. Clients most often fund payroll through receivables gaps, bulk inventory purchases ahead of peak season, marketing campaigns, critical equipment or property repairs, and time-sensitive vendor opportunities. The best uses are short-term — needs measured in weeks or months where the capital produces a clear return. For multi-year investments like equipment or real estate, your advisor will point you to a longer-term Coast structure instead.

No — applying involves only a soft credit pull, which has no impact on your personal credit score. Working capital programs do not require a hard credit pull at any stage. A hard inquiry applies only to certain traditional products — larger equipment deals and SBA loans — and then only with notice, after an approval you have chosen to move forward with. This means you can see real numbers for your business and make an informed decision without putting anything at risk.

It's one of the strongest fits. Working capital lets seasonal operators stock inventory and staff up before the busy season, then carry momentum through the slow months without draining reserves. Because terms run 6 to 24 months and you pay for the time the funds are outstanding, many clients fund ahead of their peak, repay out of peak-season revenue, and renew the following year — a rhythm the program was built for.

Yes to both. You pay for the time the funds are outstanding, so paying off early reduces your total cost of capital — we actively encourage it. And because Coast's programs are designed as a renewable resource, returning clients fund the next need quickly, often qualifying for stronger terms as revenue and payment history grow.