Frequently Asked Questions

We offer a comprehensive range of funding solutions including term loans, lines of credit, equipment financing, invoice factoring, merchant cash advances, and SBA loans. Our team works with you to determine the best financing option for your specific business needs and circumstances.

Our streamlined process allows for rapid funding decisions. Many applications receive approval within 24-48 hours, and funds can be available as quickly as 1-3 business days after approval. The exact timeline depends on the type of funding and completeness of your application.

Generally, we require: 1) Business operating for at least 6 months, 2) Minimum monthly revenue of $10,000, 3) Personal credit score of 580+, and 4) Basic business documentation. Requirements may vary depending on the funding product and amount requested.

While we primarily work with established businesses (6+ months in operation), we do have programs for newer businesses and startups, particularly those with strong personal credit, industry experience, or significant revenue projections. Contact us to discuss your specific situation.

Typical requirements include: bank statements (3-6 months), tax returns (personal and business), profit & loss statements, business license, voided check, and photo ID. Additional documentation may be required based on your specific funding request.

No, there is absolutely no cost to apply or get pre-qualified. Our consultation and application process is completely free. You only pay fees if and when you accept a funding offer and receive funds.

Yes, we work with businesses across the credit spectrum. While good credit helps secure better terms, we have funding options available for businesses with credit challenges. We look at your overall business performance, not just credit scores.

Funding amounts range from $10,000 to $5 million+, depending on your business revenue, credit profile, time in business, and the type of funding. Our team will help determine the maximum amount you qualify for during the application process.

We work with virtually all industries including construction, healthcare, manufacturing, wholesale, transportation, HVAC, restaurants, retail, professional services, and more. Each industry has unique funding needs that we understand and address.

In most cases, you can use business funding for any legitimate business purpose including inventory, equipment, expansion, working capital, marketing, payroll, or debt consolidation. Some specific loan products may have usage restrictions.

Many of our funding options are unsecured, meaning no collateral is required. For larger amounts or specific loan types, collateral may be required, but we’ll discuss this upfront during the application process.

Rates and terms vary based on funding type, amount, credit profile, and business strength. We offer competitive rates and flexible terms ranging from 3 months to 7+ years. Exact terms are provided upon approval.

Most of our funding products allow for early payoff without prepayment penalties. This can save you money on interest. We’ll clearly outline any early payment terms in your funding agreement.

1) Submit your basic information online or by phone, 2) Speak with a funding specialist, 3) Provide required documentation, 4) Receive funding offers, 5) Review and accept terms, 6) Receive funds. The entire process is typically completed within days.

Our personalized approach, extensive lender network, industry expertise, fast processing times, and commitment to finding the right solution for each business. We’re not just a lender – we’re your funding partner focused on your success.