Frequently asked questions

For most products you'll need to have been in business at least 6 months, generate $15,000 or more in monthly revenue, and have a personal credit score of 500 or higher. Specific products may have slightly different thresholds, and businesses that don't fit one product often qualify for another — our advisors will help you find the right match.

Approval decisions typically come back within 24–48 hours of a complete application. Once you accept an offer and e-sign, funds are usually deposited the same or next business day. In fact, 95% of our approved customers are funded within 48 hours of applying.

No. Submitting an application only requires a soft credit inquiry, which has zero impact on your score. A hard credit pull happens only if you decide to accept a final offer and ask us to move forward — and we will always tell you before that happens.

We fund anywhere from $5,000 to $5,000,000. The exact amount you qualify for depends on your revenue, time in business, cash flow, and the product you choose. Many customers start with a smaller amount and increase it over time as they build a track record with us.

Rates and terms vary by product and by the strength of your business. SBA and long-term loans carry our lowest rates and longest terms (up to 25 years), while short-term products cost more but fund faster. Whatever you're offered, we present the full cost in plain dollars and cents up front — no hidden fees, no confusing factor-rate math without an explanation.

To apply you'll generally need a completed application, the last three months of business bank statements, and a government-issued ID. Larger loan amounts or SBA products may require additional items like tax returns or financial statements — your advisor will give you a clear, short checklist before you start.

It depends on the product. Term loans use fixed daily, weekly, or monthly payments via automatic ACH. A merchant cash advance repays as a small percentage of your daily card sales, so payments flex with revenue. Lines of credit are repaid as you pay down each draw. We'll show you the exact schedule before you sign, and many products offer early-payoff discounts.

Most of our working-capital products are unsecured, meaning no specific collateral is pledged. Equipment financing is secured by the equipment itself, and SBA loans may require collateral on larger amounts. A standard personal guarantee is typical for small-business lending — your advisor will explain exactly what applies to your offer.

Yes. We protect your data with bank-level 256-bit encryption in transit and at rest, and we never sell your personal information. Bank connections are read-only — we can see statements to verify cash flow but can never move money out of your accounts.

Often, yes. Many growing businesses stack complementary products — for example, a line of credit for everyday flexibility alongside equipment financing for a specific purchase. Your advisor will make sure any combination keeps your total payments comfortable and sustainable.

It's worth applying. Because we underwrite on real cash flow rather than credit score alone, we frequently approve businesses that traditional banks turn away. If one product isn't a fit, we'll often have an alternative — and we'll always tell you clearly why, with no runaround.

None at all. Applying and reviewing your offers is completely free, and you're never obligated to accept. We only earn anything if you choose an offer and get funded — so our incentive is to find you the right product, not just any product.