Frequently asked questions.

Requirements vary by product. As a general guide we look for at least six months in business, a business checking account, and consistent monthly revenue. Most products have a minimum credit score around 500, and some collateral based products have no minimum at all. We evaluate the overall health of the business, not one number.

Around 500 for most products. Credit affects your pricing more than your eligibility. A recent bankruptcy, an active tax lien, or an open judgment is a harder stop at most funders — but if you have a documented payment plan in place, that changes the conversation.

Not for most products. Working capital, merchant cash advances, credit card splits, lines of credit, and invoice financing typically require no specific collateral. Collateral based loans are available if you want to leverage commercial real estate for better rates and larger amounts.

Six months is the usual minimum. Under a year narrows the menu and affects pricing. Over two years opens up most products.

Construction, trucking, restaurants, retail, healthcare, auto repair, manufacturing, wholesale, professional services, salons, cleaning, real estate and more. A few industries are restricted at nearly every funder — we will tell you early rather than waste your time.

Yes. Declines usually come down to one fixable factor — existing positions, negative days in the bank statements, or simply timing. Send us the statements and we will tell you what an underwriter is actually seeing.

About five minutes online, or you can apply over the phone. One application gives us what we need to match you against the products your file supports.

Typically three to four months of recent business bank statements, a completed application, a voided business check, and a copy of your driver's license. Send the complete official PDFs from your bank — screenshots or partial pages will hold up the file.

Applying does not involve a hard credit pull, so it will not affect your score. If you move forward with certain products, a hard pull may be required at that stage — we will tell you before it happens.

No. Reviewing an offer costs you nothing and there is no obligation to accept it. If the structure is not right for what you are trying to do, we will say so.

No. We are a business financing company with a network of funding partners. That is what lets us match you to a product that fits, rather than pushing you into the one product we happen to sell.

Files submitted with complete documents are often reviewed the same business day, and funds are commonly deposited within 24 hours of approval. Timing depends on the product, how complete your file is, and your bank. We will give you a realistic timeline for your situation rather than a headline number.

It depends on the product, your monthly revenue, and your existing obligations. Any figure quoted before underwriting is a guess — the application takes about five minutes and gives you a real answer.

By ACH transfer directly into your business bank account.

Payroll, inventory, materials, equipment, expansion, marketing, taking on a larger contract, or bridging a gap in receivables. The honest test is whether the capital produces more than it costs.

Sometimes, but be careful. Stacking multiple advances is the fastest way to turn a cash gap into a cash crisis, and every daily debit is visible in your bank statements anyway. If you already have two or three positions, the right answer is usually consolidation, not another advance.

It depends on the product. Loans use an interest rate. Advances and credit card splits use a factor rate — a flat multiplier. A 1.35 factor on $50,000 means you repay $67,500, with the cost fixed at signing.

No. An interest rate has time built into it; a factor rate does not. The same 1.35 factor costs you very different amounts over six months versus eighteen. Always convert before you compare offers.

Depending on the product, payments are taken daily, weekly, or monthly by ACH from your business bank account — or, with a credit card split, as a percentage of your daily card sales collected at the processor.

On a true factor rate product, often not — the cost was fixed at signing. Some funders offer a prepayment discount and many do not. Ask us for the exact number before you sign, not after.

If you are a New York business borrowing under $500,000, the Commercial Finance Disclosure Law requires a standardized disclosure — including the finance charge and an estimated APR — before you sign. You should get one from every funder. If someone will not give you those numbers, that is worth knowing.

Some products carry an origination or underwriting fee, which is taken out of the amount you receive. Ask for the net amount funded, not just the gross — it changes the real cost.