Everything you want to know.

There are three essentials: at least 6 months in business, $15,000+ in monthly revenue, and a 500+ credit score. If you meet those, there's a strong chance we can fund you. Specific products may have their own criteria, and your advisor will walk you through anything that applies to your situation.

Most applicants get a decision within 24–48 hours. Once you e-sign your offer, 95% of approved files are funded within 48 hours — and many short-term products fund the same day or next day. SBA loans are the exception; because they're government-backed, they typically take a few weeks.

No. Checking your options uses a soft inquiry that never affects your credit score. A hard credit check only happens later, with your explicit consent, and only if you decide to move forward with a specific offer. You can explore your options risk-free.

Your rate and term depend on the product you choose, your time in business, revenue, credit profile, and overall financial health. We believe in radical transparency: every rate, fee, and term is laid out in plain English before you sign — no hidden charges and no prepayment penalties on most products.

For most products, all we need to start is your completed application and your three most recent months of business bank statements. Larger loans or SBA financing may require tax returns, financial statements, or a brief business plan — your advisor will tell you exactly what's needed and help you gather it.

It depends on the product. Term loans and lines of credit use fixed daily, weekly, or monthly payments. A merchant cash advance is repaid as a small percentage of your daily card sales, so payments rise and fall with revenue. Everything is set up on autopay for convenience, and there are no prepayment penalties on most products if you'd like to pay off early.

Most of our funding is unsecured, meaning no specific collateral is required. Equipment financing is secured by the equipment you're purchasing, and SBA loans may have their own collateral requirements. We'll always be upfront about what a given offer involves before you commit.

Yes. We start considering applicants at a 500 credit score, and for products like invoice factoring and merchant cash advances, your revenue and sales history often matter more than your score. We look at the whole picture, not a single number — that's the value of having real underwriters review your file.

Funding ranges from $5,000 to $5,000,000 depending on the product and your business's financials. A good rule of thumb is that many businesses qualify for an amount in the range of one to two months of revenue, but your advisor can give you a precise figure after a quick review.

Absolutely. We protect your data with bank-grade 256-bit encryption, strict access controls, and rigorous data-stewardship practices. We never sell your information, and we only share what's necessary to process and fund your application — always with your consent.

Often, yes — and many of our most successful customers do. A common combination is a line of credit for day-to-day flexibility plus equipment financing for a major purchase. Your advisor will help you structure a mix that keeps payments manageable and your business well-capitalized.

We'll tell you why and what to do next. Sometimes a different product is a better fit; sometimes a few months of stronger statements changes everything. We'll give you a concrete plan and a standing invitation to reapply — declines are rarely permanent, and we want to fund you when the time is right.