Frequently Asked Questions

We offer a full suite of business financing solutions including business loans, working capital loans, business lines of credit, equipment financing, SBA loans, accounts receivable factoring, bad credit business loans, and revenue-based financing. Each product is designed for different business needs, and our team will help match you with the right option. Not sure where to start? Answer a few questions to find your funding fit.

Most applications are reviewed and approved within 4 to 8 hours. Once approved, funds are typically deposited into your business bank account within one to two business days. In many cases, you can go from application to funding in 24 to 48 hours.

While requirements vary by product, most of our funding solutions require that your business has been operating for at least 6 months, generates a minimum of $10,000 in monthly revenue, and has an active business bank account. We work with businesses across the credit spectrum, so a perfect credit score is not required.

Our application process is simple. In most cases, you'll need your last 3 to 6 months of business bank statements, a valid government-issued ID, and basic information about your business such as your EIN, business address, and monthly revenue. No tax returns or financial statements are required for most products.

Funding amounts range from $10,000 to $500,000 depending on your business revenue, time in business, and the specific product. Our team will work with you to determine the maximum amount you qualify for and recommend a funding level that makes sense for your business.

We may perform a soft credit inquiry during the review process, which does not affect your credit score. While credit history is one factor we consider, it is not the only one. We focus heavily on your business performance, revenue, and bank account activity. We work with business owners across the entire credit spectrum.

We work with businesses in virtually every industry including retail, restaurants and food service, healthcare, construction, transportation and trucking, e-commerce, auto repair, manufacturing, professional services, and real estate. If your industry isn't listed, reach out. We likely work with businesses like yours.

You can start by clicking the Apply Now button on our website. The online application takes just a few minutes. Once submitted, a member of our team will review your application and reach out to discuss your options, usually within the same business day.

Repayment terms vary by product. Business loans and working capital loans typically have terms ranging from 3 to 24 months with fixed daily or weekly payments. Lines of credit offer revolving terms where you only pay on what you draw. SBA loans offer longer terms up to 10 years. Our team will walk you through the specific terms before you commit to anything.

For most of our funding products, there is no prepayment penalty. You can pay off your balance early without additional fees. Some products may offer early payoff discounts. Your funding advisor will clearly outline all terms, including any prepayment details, before you sign.