Smarter, Fairer, Faster Capital for Growth-Focused Businesses
Growing businesses don’t fail because they lack customers —
they struggle because cash doesn’t arrive when
expenses are due.
The Working Capital Finance Program from Better Local Capital
helps businesses manage that timing gap while
building the systems needed to grow responsibly.
This is not just access to capital.
It’s a structured program designed to help you
get funded, stay funded, and grow with confidence.
What the Program Is
The Working Capital Finance Program provides short-term,
flexible financing to help businesses cover
costs while waiting to get paid — paired with training
and technical support to reduce risk and support
long-term growth.
- Accounts Receivable – covering expenses while invoices are outstanding
- Purchase Orders – fulfilling confirmed orders
- Mobilization expenses – payroll, materials, and startup costs tied to active contracts
Who This Program Is For
This program is a good fit if you:
- Are an established business with active contracts or invoices
- Need working capital to manage cash-flow timing (not long-term debt)
- Want support strengthening financial systems and operations
- Are willing to participate in training and technical assistance
This program is not a fit if you:
- Are still in the idea or pre-revenue stage
- Are looking for personal credit or grants
- Are unwilling to engage in training or financial reporting
How the Program Works
pre-qualification
on our website
information &
determine a Qualified
Funding Amount (QFA)
onboarding, including
training & banking setup
funding as needed
for approved uses
support throughout
your program period
How Control Accounts Work
As part of the program, funded payments flow through a Control Account.
A Control Account is a designated business bank account used to receive payments related to funded contracts. Loan repayment happens automatically from this account before remaining funds are released to your operating account.
- Keeps repayment predictable
- Reduces manual tracking and follow-ups
- Protects both your business and the lender
You continue running your business through your operating account as usual.
Why Participate in the WCFP?
Capital + Support That Actually Helps Your Business Grow
Most lenders focus on whether you can repay a loan.
We focus on whether your business gets stronger while
you’re using it.
The Working Capital Finance Program combines working capital, customized training, and hands-on technical assistance—all designed to support real growth.
This is not passive learning or generic advice.
It requires participation, but everything is practical, relevant,
and tailored to your business.
Access to
Working Capital
Flexible funding tied to real contracts, invoices, and business activity.
Customized
Training
A required 10-session training program focused on:
- Managing cash flow in real time
- Strengthening financial systems
- Preparing for future financing and growth
One-on-One
Technical Assistance
Personalized support from an experienced small business advisor to help you:
- Organize your numbers
- Improve invoicing and collections
- Strengthen operations and planning
How Better Local Capital Is Different
It’s confidential and helps determine whether this
program is a good fit.
Still Have Questions? We're Here to Help you
If your question wasn't answered above, you can explore our
tutorials or reach out to our team for assistance.