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Frequently Asked Questions
Everything you need to know about eligibility, the application process, funding terms, and more. Can't find your answer? Talk to our team.
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Eligibility & Requirements
Who qualifies and what you need
Will checking my eligibility affect my credit score?
No. We use a soft credit inquiry to check your eligibility, which has zero impact on your credit score. A hard pull only happens if you choose to move forward with an offer and complete the full application with a lender. You can check your options with complete peace of mind.
What credit score do I need to qualify?
There is no universal minimum. We take a holistic approach — your business revenue, cash flow, and time in operation matter more than a three-digit number. Many business owners with credit scores in the 500s have successfully secured funding through our network. The stronger your business fundamentals, the better your options.
What are the minimum revenue and time-in-business requirements?
Generally, we look for businesses operating for at least 6 months with a minimum of $10,000 in monthly revenue. That said, requirements vary by product and lender. If you are close to these thresholds, it is still worth applying — we review every application on its own merits.
What industries do you accept?
Virtually all of them. Unlike banks that maintain long lists of restricted industries, we work with businesses across the board — including cannabis and CBD, trucking, construction, restaurants, e-commerce, healthcare, and more. If your business generates revenue, there is almost certainly a product in our network for you.
Do I need to be based in the United States?
We currently serve businesses across 11 countries, including the United States, Canada, United Kingdom, Ireland, and Australia. Our network of capital providers includes both domestic and international lenders, so we can match businesses in multiple geographies with the right funding solutions.
Do I need collateral to apply?
Most of our funding products are unsecured and do not require collateral. Equipment financing uses the equipment itself as collateral, and real estate loans are secured by property. We will clearly explain any collateral requirements before you commit to anything.
Application Process
How applying works from start to finish
How long does the application take?
About 30 seconds. We ask for basic information about you and your business — name, revenue range, time in business, and what you need funding for. That is it. No lengthy forms, no uploading stacks of documents upfront. We keep the initial application lean so you can find out your options fast.
What documents do I need to apply?
For the initial eligibility check, you do not need any documents at all — just your basic business information. If you are matched with a lender and choose to proceed, they will handle the documentation process directly with you. We do not collect bank statements or financial documents ourselves.
How does the matching process work?
When you submit your application, our platform evaluates your business profile against our extensive network of capital providers. We consider your revenue, industry, funding needs, time in business, and credit profile to find the lenders most likely to approve you with the best terms. Think of it like a marketplace — one application, multiple options.
What happens after I apply?
You will receive a decision — often within 3 to 6 hours. If matched, you will see your funding options with clear terms: amount, cost, and repayment schedule. You review everything, ask questions if needed, and only proceed if the terms work for you. There is never any obligation to accept an offer.
Can I apply on behalf of my business partner or client?
The application should be completed by an authorized owner or officer of the business. If you are a financial advisor, accountant, or consultant helping a client, the business owner will need to be involved in the final steps. However, you are welcome to gather preliminary information and start the conversation.
Funding & Terms
Amounts, rates, timelines, and what to expect
How much funding can I get?
Our network provides funding from $25,000 to $50 million, depending on the product and your business profile. Working capital and revenue-based financing typically range from $25K to $500K. Term loans and SBA loans can go up to $50M. Equipment financing is generally available up to $2M. Your specific offer will depend on your revenue, time in business, and funding needs.
What are the rates and fees?
Rates vary based on the product, your business profile, the funding amount, and the lender. We are committed to full transparency — you will see every cost clearly laid out before you sign anything. No hidden fees, no surprises. We encourage you to compare your options and ask questions about anything that is not crystal clear.
How quickly will I receive the funds?
Most businesses receive funds within 24 hours of approval, and many fund same-day. Some products like revenue-based financing and working capital can fund in as little as 3 hours. Larger term loans and SBA loans may take a few business days. Your funding specialist will give you a clear timeline before you commit.
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, hiring, or managing cash flow gaps. The only exception is product-specific financing like equipment loans, which must be used for their designated purpose. There are no restrictions on general working capital.
Can I get multiple funding products at the same time?
Yes. Many businesses in our network carry more than one product simultaneously — for example, a working capital line for day-to-day operations and an equipment loan for a specific purchase. As long as your business can support the combined payments, stacking products is common and sometimes the smartest approach.
Are there any upfront fees to apply?
No. There is no cost to apply, check your eligibility, or receive offers. You only pay fees associated with the funding product you choose to accept — and those fees are clearly disclosed before you sign. If anyone asks you for an upfront fee to apply for business funding, that is a red flag.
Industry-Specific
Questions from specific business sectors
Do you fund high-risk industries?
Yes. While many traditional banks automatically decline businesses in so-called high-risk categories, our network includes lenders who specialize in these sectors. We fund restaurants, nightlife, firearms retailers, collections agencies, and many other industries that banks typically avoid. The key factor is consistent revenue, not your industry label.
Can cannabis and CBD businesses get funded?
Yes. We have capital providers in our network that specifically serve the cannabis and CBD industry. Whether you operate a dispensary, cultivation facility, processing operation, or ancillary business, there are options available. Funding amounts and terms will depend on your state regulations, licensing, and business performance.
What about construction, trucking, and trades?
These are some of the most common industries we serve. Construction companies, trucking fleets, plumbers, electricians, and other trades often face cash flow gaps between starting a job and getting paid. Our network offers products specifically designed for these cycles, including invoice factoring, equipment financing, and working capital solutions.
Do you work with e-commerce and SaaS businesses?
Absolutely. E-commerce and SaaS companies often have strong revenue but unconventional financial profiles that confuse traditional lenders. Our network includes providers who understand recurring revenue models, seasonal sales patterns, and digital business economics. Revenue-based financing is particularly popular with online businesses.
What about restaurants and hospitality?
Restaurants and hospitality businesses are one of our strongest verticals. We understand the unique challenges — thin margins, seasonal fluctuations, high equipment costs, and the constant need for working capital. Our lenders evaluate restaurant businesses based on daily sales volume and revenue trends, not just credit scores.
Repayment
Payment schedules, early payoff, and flexibility
How are payments structured?
Payment frequency depends on the product. Working capital and revenue-based financing typically involve daily or weekly ACH withdrawals from your business account. Term loans are usually monthly. Lines of credit are interest-only on the drawn amount until you repay the principal. Your exact payment schedule will be clearly outlined before you sign.
Can I pay off my funding early?
Yes. Most products in our network allow early payoff, and many offer a discount when you do. For example, if you have a revenue-based advance and pay it off ahead of schedule, you may save on the remaining factor cost. We will make sure you understand the early payoff terms for your specific product before you commit.
What if I cannot make a payment?
Communication is key. If you are experiencing a temporary cash flow issue, contact your funding provider as soon as possible. Many lenders offer payment deferrals, modified schedules, or restructuring options for businesses going through a rough patch. The worst thing you can do is go silent — reach out early and most situations can be worked through.
Can I refinance or renew my funding?
Yes. Once you have made a certain number of payments — typically 50 to 60 percent of the original term — many of our lenders offer refinancing at improved terms based on your repayment history. Renewals are common and often come with better rates. Strong repayment performance is the fastest way to unlock better terms over time.
Are payments automatically withdrawn?
In most cases, yes. Payments are made via ACH (automated clearing house), which means they are automatically debited from your business bank account on the agreed schedule. This keeps things simple and ensures you never miss a payment. You will always know exactly when and how much will be withdrawn.
General
About Granton Hale, security, and support
Is Granton Hale Capital a lender or a broker?
We are a funding marketplace. Rather than lending our own capital, we connect your business with an extensive network of institutional capital providers. This gives you access to a wider range of products and more competitive terms than any single lender could offer. One application, multiple options — and you choose what works best.
How is Granton Hale different from going to a bank?
Speed, access, and flexibility. Banks typically take 2 to 6 weeks to process a business loan application, require extensive documentation, and decline most applicants. We deliver decisions in hours, accept businesses across virtually all industries and credit profiles, and offer multiple product types from $25K to $50M. And if one lender says no, there are 14 more in our network.
Is my data secure?
Absolutely. We use 256-bit SSL encryption — the same standard used by major banks — to protect all data transmitted through our platform. Your personal and business information is never sold to third parties. We only share the information necessary to match you with appropriate lenders, and only with your consent.
How can I contact Granton Hale Capital?
You can reach our team by starting an application at grantonhale.com/getfunded, emailing us directly, or calling during business hours. Once you have an active application, you will be assigned a dedicated funding specialist who you can contact directly. We are responsive and you will always talk to a real person.
Need More Help?
Still have questions?
Our funding specialists are here to help. Check your eligibility in 30 seconds and a real person will walk you through everything — no hard credit pull, no obligations.
$25K to $50M available across all industries and credit profiles.