Working Capital
Put capital behind what's next.
Business Performance Review
Business Reviewed
Offer Presented
Terms Under Review
Less chasing. More visibility.
Growth rarely waits for perfect timing.
Stock Inventory
Prepare for demand without waiting for existing cash to catch up.
Upgrade Equipment
Invest in technology, vehicles, equipment, or infrastructure the business needs to operate and grow.
Hire & Train
Add people before the revenue from expanded capacity arrives.
Expand
Invest in another location, service area, or growth initiative.
Manage Seasonal Needs
Bridge timing differences between expenses and revenue cycles.
Handle Unexpected Costs
Create more flexibility when operating needs change.
- How it works
How working capital works.
01
Review
Beyond/funding provider evaluates the business and applicable eligibility information.
02
Offer
Eligible businesses receive available funding terms.
03
Choose
Merchant reviews the amount, cost, repayment structure, and disclosures.
04
Fund
Approved funds are provided according to program terms.
Designed around business performance
Financing should understand the business behind the application.
Business-Oriented Evaluation
Review criteria that reflect how the business actually operates. [Placeholder — TODO: VERIFY WITH BEYOND FUNDING PROGRAM.]
Flexible Use of Funds
Apply capital toward the specific need the business is facing.
Clear Terms Before Acceptance
Understand the amount, cost, and repayment structure before you commit.
Connected Payments Relationship
Funding that considers the broader payments relationship, not an isolated application.
Two different tools
Working Capital vs. Instant Payouts.
Working Capital
Access additional capital. Money beyond existing earned card revenue. May create repayment obligations. Appropriate for inventory, expansion, equipment, and larger investment needs.
Instant Payouts
Access earned money faster. Accelerates access to eligible payment proceeds already generated through sales. Not financing. Appropriate for immediate operating cash, weekend/holiday timing, and short-term cash needs.
Related solutions
More capabilities that connect to working capital.
The bigger picture
Grow is what payments make possible.
Beyond’s broader payments ecosystem connects acceptance, protection, and operations around the same growth capabilities.
Accept
Protect
Grow
Operate
- FAQ
Working capital questions.
Business funding designed around the performance and needs of the business, made available to eligible merchants. Discuss your business needs, processing history and funding goals with our team.
Eligibility criteria depend on the specific funding program. Contact our team to discuss available business funding options and their eligibility requirements, costs and terms.
Common uses include inventory, equipment, hiring, expansion, seasonal needs, and unexpected costs.