Frequently Asked Questions
Get answers to common questions about our funding process and products.
Will checking my eligibility affect my credit score?
No. We use a soft credit pull to check your eligibility, which does not impact your credit score. A hard inquiry is only performed if you decide to proceed with an offer and complete the full application.
What are the minimum requirements to qualify?
Generally, we look for businesses that have been operating for at least 6 months with a minimum of $10,000 in monthly revenue. However, requirements vary by product, and we review each application holistically.
How quickly can I receive funding?
Most businesses receive funding within 24-72 hours of approval. Some products may fund same-day. The exact timeline depends on the funding type and your bank's processing times.
What documents do I need to apply?
For most applications, you'll need recent bank statements (typically 3-4 months) and basic business information. Some larger loans may require additional documentation like tax returns or financial statements.
What can I use the funds for?
Working capital and most business loans can be used for any legitimate business purpose — payroll, inventory, equipment, marketing, expansion, or managing cash flow gaps. Some specific products like equipment financing must be used for their designated purpose.
Do you require collateral?
Many of our funding options are unsecured and don't require collateral. Equipment financing uses the equipment itself as collateral. Real estate loans are secured by the property. We'll clearly explain any collateral requirements before you commit.
What are your interest rates and fees?
Rates vary based on your business profile, the funding amount, and the product type. We're committed to transparency — you'll see all costs clearly laid out before you sign anything. No hidden fees.
Can I pay off my loan early?
Yes, most of our products allow early payoff. Some even offer discounts for early repayment. We'll explain the specific terms for your funding option.
What if I have bad credit?
We take a holistic approach to underwriting. While credit is a factor, we also consider your business revenue, cash flow, time in business, and industry. Many business owners with less-than-perfect credit have successfully funded with us.
Do you fund startups?
We typically work with established businesses (6+ months in operation). If you're a newer business, we may still be able to help depending on your revenue and industry. Apply to check your eligibility.
What industries do you work with?
We work with most industries including construction, retail, healthcare, hospitality, transportation, manufacturing, professional services, and more. Some high-risk industries may have limited options.
How do I make payments?
Payments are typically made via ACH (automatic bank withdrawal). Depending on your product, payments may be daily, weekly, or monthly. You'll know your payment schedule before you sign.
Still Have Questions?
Our funding specialists are here to help. Apply now and we'll walk you through the process.
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