Question 1

Will applying affect my credit score?

Accepted Answer

Checking your options does not affect your credit score. We review your business profile first, and any credit report pull happens only after you authorize it during the application.

Question 2

What credit score do I need?

Accepted Answer

There is no fixed minimum. We regularly work with challenged credit, prior defaults, and open positions. Revenue consistency matters more than the score alone.

Question 3

How long does my business need to be operating?

Accepted Answer

Most programs look for at least three months of operating history. Newer than that, apply anyway or call us — a specialist will tell you exactly what to build toward and when to reapply.

Question 4

Can I get funding with existing positions?

Accepted Answer

Often, yes. Tell us how many positions are open and the approximate monthly remittance, and we will match you with the program that accepts your stack position.

Question 5

What industries do you work with?

Accepted Answer

Nearly all of them. Restaurants, trucking, construction, retail, medical, e-commerce, staffing, manufacturing, and dozens more. If your business has consistent receivables, we can usually help.

Question 6

How fast can I receive funding?

Accepted Answer

Most applications receive offers within hours. Once you accept terms and verification is complete, funds can arrive as fast as the same day, and typically within 24 hours.

Question 7

What happens after I submit my application?

Accepted Answer

A funding specialist reviews your file, usually within the hour during business hours, then underwrites it in-house — or, for specialty programs, matches it to the right funding program. Offers typically come back the same business day.

Question 8

Do I have to accept an offer?

Accepted Answer

Never. There is no obligation at any point. You can review offers, ask questions, take time to decide, or walk away — at no cost.

Question 9

Will I work with a real person?

Accepted Answer

Yes. One funding specialist owns your file from application through funding. You will know their name and have their direct line.

Question 10

How much does it cost to apply?

Accepted Answer

Nothing. There are no application fees and no upfront fees of any kind. Our compensation comes from the funding itself and is disclosed in writing in your agreement — never from fees you pay up front.

Question 11

Is a merchant cash advance a loan?

Accepted Answer

No. A merchant cash advance is a purchase of a portion of your future receivables. Pricing is expressed as a factor rate, and remittances flex with your sales rather than following a fixed amortization.

Question 12

What is a factor rate?

Accepted Answer

A factor rate is a multiplier applied to the amount advanced — for example, a 1.25 factor on a $50,000 advance means $62,500 in total receivables purchased. It is disclosed in writing before you sign anything.

Question 13

Do I need collateral?

Accepted Answer

Most advances and revolving facilities are unsecured against specific assets. Equipment financing is secured by the equipment itself. All terms are disclosed in writing before you sign.

Question 14

What documents do I need?

Accepted Answer

Three months of business bank statements move things fastest. A driver's license and a voided business check are usually requested before funding. You can submit an application without them.

Question 15

Is my information secure?

Accepted Answer

Yes. Documents are encrypted in transit and at rest. Your information is used to underwrite your file, and is shared with a funding partner only when your funding comes through one of our partner programs. See our Privacy Policy for the full detail.

Question 16

Do you need my full Social Security number?

Accepted Answer

Yes. A full Social Security number and your business EIN are required to verify identity and complete the credit review you authorize. Both are encrypted in transit and at rest, are never included in emails, and are used only for underwriting your file.

Question 17

Can I get additional funding later?

Accepted Answer

Yes. Many clients return for additional capital once a portion of their current agreement is satisfied. Your specialist can usually tell you when you will be eligible.

Question 18

Can I satisfy an advance early?

Accepted Answer

Many advance agreements include early-satisfaction discounts. Ask your specialist before you sign — the policy varies by program and is always disclosed in the agreement.

Question 19

Who do I contact after I am funded?

Accepted Answer

The same specialist who handled your file. For anything about remittances or your agreement, servicing contact details are in your funding documents.

Straight answers, before you apply.

Qualifying

The Process

Costs and Terms

Documents

After Funding

See what you qualify for in under 5 minutes.