Frequently Asked Questions

We start with a soft review of your information to pre-qualify you and present options. A hard credit pull may only be required if you decide to move forward and accept a specific offer. Checking your options will not impact your credit score.

The initial application requires basic business information that you can provide in about 10 minutes. If you move forward, typical documentation includes:

Your specialist will guide you through exactly what's needed for your situation.

Our core programs start at a 575 credit score, but we evaluate your entire business profile, not just your credit. If you're close to 575 or have strong business performance in other areas, we encourage you to apply. We can assess your specific situation and guide you on the best path forward, or recommend steps to improve your eligibility.

Yes! We work with businesses that have been operating for as little as 1 month. While newer businesses may have different program options than established ones, we evaluate your revenue trajectory and business fundamentals. If you're generating at least $17,000/month in sales, we encourage you to apply.

It depends on how recent the bankruptcy is and your current business performance. Generally, we prefer bankruptcies to be discharged for at least 12-24 months, but exceptions can be made for strong businesses. We evaluate each situation individually, so we encourage you to apply or contact us to discuss.

You can use the funds for virtually any legitimate business purpose: inventory purchases, equipment, hiring, marketing, expansion, refinancing expensive debt, seasonal cash flow gaps, or general working capital. We don't restrict how you deploy the capital to grow your business.

Most clients receive approval decisions within 24 hours of submitting a complete application. Once approved, funds are typically transferred to your business account within 3-7 business days. Some programs can fund even faster depending on your specific situation.

Yes. From the moment you apply, you'll be assigned a dedicated funding specialist who will guide you through the entire process. They'll be your point of contact for questions, document submission, and ongoing support. You'll have their direct phone number and email.

We look at multiple factors including:

We take a holistic view of your business rather than relying on a single metric.

While approval rates vary based on business profiles, we work hard to find solutions for businesses that traditional banks turn away. If we can't approve you for one program, we'll often suggest alternative options or steps you can take to improve your eligibility for future funding.

We work as a funding advisor and broker, partnering with a network of trusted lenders to find you the best terms for your situation. This gives you access to more options and competitive pricing than working with a single lender. We handle the complexity of comparing multiple offers so you don't have to.

Rates and fees vary based on your business performance, credit profile, time in business, and the specific program you qualify for. We work with multiple lending partners to find you competitive terms. Your dedicated funding specialist will provide transparent pricing and a complete breakdown of all costs before you make any commitment. There are no hidden fees.

Collateral requirements vary by program and loan amount. Many of our smaller funding options ($5K-$50K) require minimal or no collateral beyond a UCC lien on business assets. Larger amounts may require additional collateral or a personal guarantee. Your specialist will explain exactly what's required for your specific situation.

Many of our programs offer no prepayment penalties, meaning you can pay off your balance early and save on interest. However, terms vary by lender and program. Your funding specialist will clearly identify which programs offer this flexibility before you commit.

Repayment terms typically range from 6 to 36 months, depending on the loan amount, your business profile, and the specific program. Your specialist will present multiple options with different term lengths so you can choose what works best for your cash flow.

We understand that businesses can face unexpected challenges. If you anticipate difficulty making a payment, contact your specialist immediately. Depending on your lender and situation, there may be options to adjust your payment schedule. However, missed payments can result in late fees, negative credit reporting, and potential default consequences as outlined in your loan agreement.

Reporting practices vary by lending partner and program. Some programs report to business credit bureaus, which can help you build business credit. Your specialist can clarify the reporting terms for your specific loan. We encourage responsible borrowing as a way to strengthen your credit profile over time.

We require a minimum of $17,000 per month in revenue (approximately $204,000 annually). This helps ensure that businesses have sufficient cash flow to manage loan payments comfortably while continuing to operate and grow.

We offer funding from $5,000 up to $1,500,000. The amount you qualify for depends on your monthly revenue, time in business, credit profile, and business performance. Many clients start with a smaller amount and return for additional funding as their business grows.

For funding needs above $1.5M, we can explore specialized lending programs or SBA loan options. Contact our team directly to discuss larger funding requirements, and we'll work with you to find appropriate solutions.

We work with businesses that have at least 1 month of operating history and minimum revenue of $17,000/month. If you're pre-revenue or just launching, we recommend getting operational first and then applying. However, if you're a startup with established revenue, we can evaluate your application.

Yes, depending on your qualifications. We offer both term loans and lines of credit. Additionally, many clients who successfully repay their first loan come back for additional funding as their business grows. We view ourselves as long-term funding partners.

We fund businesses across 250+ industries. Unless you're in a restricted category (adult entertainment, cannabis until federally legal, gambling operations, or MLM companies), we likely have a solution for you. Check our Industries page or contact us to confirm your specific business type.

We work across all industries but have deep experience in construction, restaurants, healthcare, retail, professional services, and e-commerce. Our network of lending partners allows us to match you with lenders who understand your specific industry's needs and challenges.

We can help fund multiple businesses under the same ownership. Each business is evaluated separately based on its own performance and financials. If you operate multiple entities, let your specialist know so we can structure the best solution for your situation.

Many industries labeled 'high-risk' by traditional banks are perfectly acceptable to us. We evaluate businesses based on actual performance rather than industry stereotypes. Apply or contact us to discuss your specific situation. We may have options that banks don't offer.

MCAs typically take a percentage of your daily or weekly sales, which can strain cash flow during slow periods. We focus on structured term loans and lines of credit with fixed payment schedules, giving you more predictability and typically lower overall costs. Additionally, many of our programs offer no early payoff penalties, unlike most MCAs.

We specialize in helping businesses consolidate expensive MCAs and high-interest debt into more manageable term loans. Many of our clients come to us specifically to escape the MCA cycle. We can evaluate your current obligations and structure a solution that improves your cash flow and reduces your overall payments.

Yes. We frequently work with businesses that have stacked multiple MCAs and are struggling with the daily payment burden. We can consolidate these into a single structured loan with one predictable payment, often reducing your monthly outflow significantly.