The credit infrastructure of the AI economy.
Workin finances your token bill, so you can grow your business without hurting your runway.
- Free up cash
- Faster growth
- Non-dilutive
- Scales automatically
- Repayment stops automatically
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Your token bill keeps growing as your business scales.
Serving more customers, building more products and expanding the business means spending more on tokens. The bill arrives every month. The revenue it supports takes time to collect.
Growing the business means funding a bigger bill before that cash comes back.
Finance the bill. Put more cash to work.
Optimising models and monitoring spend make your cash go further. Financing the token bill releases cash to fund more usage and expansion, reducing the need to fund every increase from operating cash or another dilutive equity round.
Same cash spend. Faster growth.
| Month | Without Workin | With Workin |
|---|---|---|
| 0 | 0.80 | 0.80 |
| 1 | 0.88 | 0.91 |
| 2 | 0.96 | 1.03 |
| 3 | 1.05 | 1.17 |
| 4 | 1.15 | 1.33 |
| 5 | 1.26 | 1.51 |
| 6 | 1.39 | 1.72 |
| 7 | 1.52 | 1.95 |
| 8 | 1.66 | 2.22 |
| 9 | 1.82 | 2.52 |
| 10 | 2.00 | 2.87 |
| 11 | 2.19 | 3.26 |
| 12 | 2.40 | 3.70 |
- With Workin $3.7M/mo · 4.6×
- Without Workin $2.4M/mo · 3.0×
Same annual net cash burn: $5.1M in both scenarios.
Assumptions
Illustrative twelve-month scenario with approximately $5.1M net cash consumed in both cases. Starting monthly spend is $1M: $200K inference and $800K other operating expenses. Revenue is assumed to be recurring, and remains 4× inference spend. Other operating expenses grow 10% monthly without Workin and approximately 14% with Workin. The financed scenario’s revenue growth is calculated to remain within the same annual net cash budget, maintaining the stated revenue-to-inference relationship and associated operating-expense growth. The financed scenario uses a 75% advance, 109% cap, 2% receipt participation per open advance, 25% aggregate collection ceiling and a 1% origination fee on the opening advance.
Why is it financeable?
Over time, every productive cost becomes financeable: inventory, receivables, user acquisition – all became a financeable asset that lenders can measure against the revenue they generate.
Token spend is not different: measurable to the cent, recurring and invoiced monthly, tied directly to your revenue. It’s a cost of goods – which is exactly what working capital is for.
- 1900sInventory
- 1940sReceivables
- 2010sUser acquisition
- NowToken spend
How it works.
- 01
We verify what you spend.
We read spend directly from your provider’s billing and assess it alongside the revenue you generate.
- 02
Funding that grows with you.
Get cash to finance the token bill. Advances adjust automatically with verified spend and performance.
- 03
We collect as you’re paid.
An agreed share of your receipts flows through a Workin-controlled Stripe collections account. The balance is released to your business. Collections on each monthly advance stop automatically when its agreed capped amount is reached.
- No equity dilution.
- No warrants or board seat.
- No fixed repayment schedule or maturity date.
- No financial maintenance covenants, and No recourse.
Your advance amount, total repayment cap and collection share are agreed before funding.
Ready to get Workin?
- 01Is your monthly token spend above $50K and growing?
- 02Do you have at least six months of revenue history?
- 03Do you collect customer payments through Stripe?
Let’s discuss funding that fits your business and growth plans.