Frequently asked
questions.
Everything about qualifying, funding speed, rates, documents, repayment, and security — straight answers, no runaround.
Our baseline requirements are simple: 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score. Different products have different sweet spots, so even if you're close, we encourage you to apply — our specialists will find the best fit for your situation.
Most applicants receive a decision within 24–48 hours. Once approved and signed, 95% of our clients are funded within 48 hours — and frequently the same or next business day. Merchant cash advances and short-term loans tend to be the fastest; SBA loans take longer due to government processing.
No. Applying uses a soft inquiry only, which never affects your credit score. We only perform a hard credit check if you accept an offer and decide to move forward — so you can explore your options risk-free.
Funding ranges from $5,000 to $5,000,000 depending on the product and your business performance. Your approved amount is based primarily on your revenue, time in business, and cash-flow history rather than your credit score alone.
Rates and terms vary by product, amount, and your business profile. Short-term products carry higher rates in exchange for speed and flexibility; long-term and SBA loans offer the lowest cost of capital. We practice radical transparency — you'll see your full, all-in cost of capital with no hidden fees before you ever sign.
To get started, you'll typically need: a completed application, the last 3–6 months of business bank statements, a government-issued ID, and basic business details (legal name, EIN, time in business). Larger or longer-term products may require tax returns or financial statements. We'll tell you exactly what's needed upfront.
It depends on the product. Term loans use fixed daily, weekly, or monthly payments. Lines of credit are repaid on what you draw and reload as you pay down. Merchant cash advances flex with your revenue. Most repayments are automated via ACH so you never miss one, and many products offer early-payoff discounts.
Most of our core funding is unsecured — no specific collateral required. Equipment financing is secured by the asset itself, and some products may request a standard personal guarantee. We'll always be clear about any requirements before you commit.
Absolutely. We protect your data with bank-level 256-bit encryption, secure data centers, and strict access controls. We never sell your personal information, and we only share what's necessary to evaluate and fund your application.
Often, yes. We weigh your real business performance — revenue, cash flow, and time in business — more heavily than your credit score. Many of our clients have fair credit (a 500+ score qualifies for several products), and repaying responsibly can help you graduate to lower-cost options over time.
Yes. A single application lets us evaluate you across our entire lineup, and many clients combine products — for example, a line of credit for day-to-day flexibility alongside equipment financing for a big purchase. Your specialist will recommend the most efficient mix.
Almost any legitimate business purpose: inventory, payroll, equipment, marketing, expansion, renovations, hiring, debt consolidation, or simply smoothing cash flow. Equipment financing and SBA loans have product-specific uses, but our general funding is flexible.
Still have a question? Our funding specialists are standing by.