Both solve short-term cash gaps. One hands you a lump sum in days; the other gives you a reusable facility you draw from when you need it. The right answer depends on whether the need is a single event or a recurring pattern.
| Working capital | Line of credit | |
|---|---|---|
| Amount | $10K – $2M | $10K – $750K |
| Speed to funds | 1–3 business days | 2–5 business days |
| Credit needed | 550+ | 600+ |
| Cost | Higher — priced for speed | Lower — you pay only on the drawn balance |
| Repayment | Daily, weekly or monthly remittance | Interest on what you use, revolving |
| Reusable | No — repay and re-apply or renew | Yes — draw, repay, draw again |
| Best use | One-time gap, opportunity, emergency | Recurring, seasonal or unpredictable needs |
If you can qualify and can wait, a line of credit costs less over a year and is the better long-term tool. If payroll is Friday, working capital wins — and you can build toward a line afterwards.
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