Straight Answers. No Fine Print.

No. Submitting an application only triggers a soft inquiry, which never affects your credit score — so checking your options costs you nothing. A hard credit pull only happens after you review and accept a specific funding offer.

Three baselines cover most of our products: at least 6 months in business, at least $15,000 in monthly revenue, and a personal credit score of 500 or higher. Some products have looser or stricter requirements, and our specialists will tell you exactly where you stand.

Most applications get an approval decision within 24–48 hours. Once you accept, funding is often same-day or next-day — 95% of our funded clients receive money within 48 hours of signing. Larger products like SBA loans take longer (30–60 days) because of the paperwork involved.

We fund from $5,000 to $5,000,000. Your specific range depends on your revenue, time in business, and the product. As a rule of thumb, many businesses qualify for funding in the ballpark of one to one-and-a-half times their average monthly revenue.

Rates and terms vary by product, your financials, and the amount you need. Lines of credit and short-term loans price on a factor or simple-interest basis; SBA and long-term loans carry the lowest APRs and longest terms. We show you the full, all-in cost — fees included — before you sign anything. No hidden charges, no balloon surprises.

To start, just your most recent 3–6 months of business bank statements and a completed application. Depending on the amount and product, we may also ask for a voided check, a government ID, and for larger loans, recent tax returns or financial statements. We keep the list as short as the deal allows.

Most of our funding is unsecured — no collateral required. Equipment financing and some larger loans are secured by the asset being financed. And no, you don't need pristine credit: we weigh your real cash flow heavily, which is why we approve businesses banks turn away. Scores from 500 and up are welcome.

It depends on the product. Term loans use fixed daily, weekly, or monthly payments. A line of credit charges interest only on what you draw. A merchant cash advance takes a small percentage of daily card sales, so payments flex with your revenue. Payments are automatic, and many products offer early-payoff discounts with no prepayment penalties.

Often, yes. Many of our clients carry existing financing. We look at your overall cash flow to make sure additional funding makes sense and won't overextend you. We can also help refinance or consolidate higher-cost debt into a single, more manageable payment.

Yes. We protect every application with bank-grade 256-bit encryption, both in transit and at rest. We never sell your data, and your bank connection is read-only — we can see statements to underwrite, but we can't move money out of your account.

Absolutely — and we encourage it. As you repay on time, you build a track record that unlocks larger amounts and better terms. It's why 90% of our clients renew and 22% refer another owner. Many of our best relationships have re-upped year after year.

We require at least 6 months in business, so very early startups may not yet qualify. For seasonal businesses, products like a merchant cash advance or a line of credit are ideal because repayment flexes with your revenue — you pay less during slow stretches. Talk to a specialist and we'll structure around your cycle.