Working capital for small business
Fast, flexible financing to get the funds your business needs to meet the next milestone.
GET FINANCED TODAY
Running a business means things don't always line up perfectly — an invoice that hasn't cleared, a slow week, an opportunity you don't want to miss. Tento is built for exactly those moments.
No hoops, no delays, just the flexibility to keep moving
Line of Credit
Revolving access to capital. Draw what you need, replenish as you repay.
Term Loan
Lump-sum capital with fixed repayment. Built for planned growth.
Get financing in days, with concierge-style customer service – no spam
Apply in minutes
No lengthy paperwork, no branch visit.
Review your options
See real offers based on your business profile.
Select your terms
Pick what fits your cash flow.
Get funded
Funds sent over, you're moving.
Customer testimonials
“Andrew's support has been nothing short of incredible! Thanks to his commitment and belief in our vision, we've been able to bring a playground to life that will provide endless joy for generations of children. His lending process was smooth, transparent, and designed to help us succeed.”
— Erik G.
Reviewed on Google
Before approving working capital financing, lenders will look into a few key details on your business — but we'll be there to support every step of the way.
INDUSTRIES WE SUPPORT
- Restaurants
- Construction
- Healthcare
- Retail
- Trades & Contractors
- Technology
Keep your business moving, growing, and thriving with working capital today.
GET FINANCED TODAY
Applying is simple. Fill out our short online application with basic business details, connect your bank account through Plaid or upload recent bank statements, and you could receive offers within hours. No branch visits, no lengthy paperwork.
Most businesses receive a decision within 24–48 hours of completing their application. Once approved and you select your offer, funding can happen in as little as one business day for lines of credit.
You'll need basic business information (EIN, business name, address), 4 months of bank statements or a Plaid connection, and a valid government-issued ID.
We take a holistic view of your business — not just your credit score. While a stronger credit profile helps, we consider your overall business health including revenue, time in business, and cash flow patterns.
No. Tento uses a soft inquiry during the application process, which does not impact your personal credit score. A hard inquiry may occur only after you accept an offer and move forward with financing.