Line of credit
Draw what you need when you need it. Great for recurring working capital needs.
- Flexible access up to $500,000
- Designed for inventory cycles and timing gaps
- Clear expectations up front
Business funding up to $500,000
Gate Rock Capital provides business loans and working capital solutions designed for small business owners who need fast access to capital without the delays of traditional banks.
Gate Rock Capital at a glance
Owners come to us when timing matters: inventory orders, payroll weeks, seasonal swings, equipment problems, and growth opportunities that don’t wait. We focus on real business signals and clear expectations so you can make a decision without guessing.
Quick fit check
If this looks like your business, it’s worth taking the next step. We’ll confirm fit and walk through what to expect.
Choose a structure that matches your timing, cash flow, and goals. We’ll explain trade-offs clearly so you can pick what makes sense.
Draw what you need when you need it. Great for recurring working capital needs.
Predictable payments for planned projects with a clear goal and timeline.
Capital based on business performance with payments aligned to sales rhythm.
If you already know what you’re looking for, start here. These pages go deeper on structures and common use cases, including what they’re best for and what to prepare.
Funding types
Options for recurring working capital, planned projects, and variable revenue.
Industries
We work across many industries. Funding is based on cash flow and business performance these are common examples.
Approval is only part of the story. The better question is: does the structure fit your timing, cash flow, and what you’re trying to accomplish?
Best for recurring access and repeat needs.
Best for projects with a plan and timeline.
Best when sales vary and you want alignment.
Use of funds
Capital is a tool. The right structure should help you protect margins, keep operations steady, and act fast when opportunities show up.
Stay ahead of demand and vendor timelines without draining cash on hand.
Bridge timing gaps without delaying decisions that affect your team and customers.
Invest in growth opportunities with capital aligned to your revenue profile.
Modernize operations, improve margins, and create better customer experiences.
Build resilience so slow weeks and surprises don’t dictate your decisions.
Speed comes from clarity. If you know what to prepare, decisions happen sooner and the process feels simple.
A simple overview of who you are and how you operate.
We focus on deposits and consistency, not just a single number.
Most delays come from missing basics. We keep it straightforward.
A quick overview of what we typically review so your application can move smoothly.
Three straightforward steps from application to capital with clear expectations.
Share your business basics, revenue estimate, and what you’re trying to accomplish.
We match you with structures aligned to your cash flow, industry, and timing.
Once you select an option and complete documentation, funds are disbursed so you can execute.
Simple guidance to help you understand funding options, timelines, and what to expect.
If you want a quick answer for your situation, reach out and we’ll talk it through.
Many initial decisions can be made quickly once we have a complete application and required information. Timing depends on documentation and underwriting.
We perform a soft credit check as part of the process. A soft check does not affect your score like a hard inquiry.
Common uses include inventory, payroll, operating expenses, equipment upgrades, marketing, expansion, and bridging seasonal gaps.
The best fit depends on your timing and revenue rhythm. We’ll explain trade-offs clearly so you can choose confidently.
Have your business basics ready. If requested, be prepared to verify bank activity and answer a few follow-up questions so the process stays smooth.
Yes. Explore restaurant financing and retail business loans to see common use cases and timing considerations.
Talk with a Gate Rock Capital specialist about your goals, timelines, and the structure that may be right for your business, or start your application in minutes.