Frequently asked questions

The online application takes about two minutes to complete. Most businesses receive a decision within 24 hours.

Basic business details, a few recent business bank statements, and your business operating history. No lengthy paperwork.

No. Checking your options does not impact your credit score. A hard inquiry only happens if you accept a formal offer.

Yes. We look at your overall business performance, not just your credit score. Many of our funding options are revenue-based.

A minimum personal credit score of 550, though requirements vary by loan type. Some revenue-based options have more flexible criteria.

Funding ranges from $5,000 up to $2,000,000 depending on the product, your revenue, and your business profile.

Most funding can be used for any legitimate business purpose: payroll, inventory, equipment, expansion, marketing, or managing cash flow.

Many products require no collateral for smaller amounts. Equipment and real estate financing are secured by the asset itself.

Terms range from 3 months to 25 years depending on the product, from short-term working capital to long-term real estate loans.

At least 3 months for most products. Some loan types require 6-12 months of operating history.

We fund businesses across every industry, from retail and restaurants to healthcare, construction, technology, and professional services.

Yes, provided the business meets the minimum operating history and revenue requirements for a given product.

A minimum of $10,000 in monthly business revenue.

Yes. We work with LLCs, Corporations, Partnerships, and Sole Proprietorships registered in the US.

No. There is no cost to apply or to review your funding options.

Fees vary by product and are disclosed clearly before you accept any offer. We believe in transparent terms with no hidden fees.

Rates depend on the product, your credit profile, and your business performance. We work to offer competitive, transparent pricing.

Many of our products allow early payoff. Any prepayment terms are disclosed up front before you accept an offer.

Some products fund in as little as 24 hours after approval. Most funding arrives within 1-3 business days.

Because we evaluate more than credit scores, approval rates are high for businesses that meet the basic revenue and operating requirements.

A specialist reviews your application, may request a few documents, and presents funding options tailored to your business.

Yes. Where you qualify for more than one product, we present the options so you can choose what fits best.

We will explain why and, where possible, suggest steps or alternative products that may be a better fit for your situation.

Funds are deposited directly into your business bank account once your offer is finalized.

Repayment schedules vary by product and begin shortly after funding. Your exact schedule is shown before you accept.

Many products allow early payoff. Any applicable terms are disclosed before you accept an offer.

Returning customers with a good repayment history can often qualify for additional funding quickly.