Straight answers.

We work with businesses across 50+ industries — construction, retail, medical, transportation, restaurants, trucking, eCommerce, manufacturing, and more. Most of our funding goes to established businesses with at least 6 months of operating history and steady revenue.

Six months of operating history is the general minimum. Newer businesses (under 6 months) are harder to fund but not impossible — particularly for equipment financing, where the equipment itself secures the loan. SBA and larger term loans typically require 2+ years of history.

Funding ranges from $10,000 to $5,000,000 depending on your revenue, time in business, credit profile, and the product you qualify for. A common rule of thumb: you can typically qualify for 80–125% of your average monthly revenue in working capital, more if you have collateral or a strong credit profile.

Low credit isn't a dealbreaker. We work with funding sources that look at business cash flow first and personal credit second. Scores as low as 500 can qualify for certain products, though approval amounts and terms improve meaningfully above 650.

A prior denial from a bank or another lender doesn't disqualify you. Different lenders have different criteria — we work with a range of funding partners, so a no elsewhere doesn't mean a no here.

Existing debt is common and not a blocker. We'll factor your current obligations into the match and, in many cases, can help consolidate or refinance. If you already have 2–3 advances stacked, your options narrow but aren't gone.

Limited options exist for startups under 6 months old — primarily equipment financing and some credit-based products. Most of our funding works best for businesses with 6+ months of steady revenue. If you're pre-revenue, we're probably not the right fit today.

For most funding products: 3–6 months of recent business bank statements, a government ID, and basic business details. Larger loans and SBA products may require tax returns, profit-and-loss statements, and additional documentation.

Most funding decisions come back within 4 hours of a completed application. For approved applicants, funding often hits your account within 24 hours. SBA loans take longer — typically 4–8 weeks — because of the government-backed process.

For working capital, lines of credit, and merchant cash advances: typically 1–3 business days end-to-end. Term loans: 3–10 days. Equipment financing: 2–5 days. SBA loans: 4–8 weeks. The application itself takes about 2 minutes; most of the timeline is on the lender side.

We review your application, match you with funding products that fit your business, and come back with offers. You review the offers, pick what works, and get funded. We stay with you through the whole process — no hand-off, no dropped ball.

Yes. If you start an application and don't finish, your progress is saved — reopen the link from your email and pick up where you left off. If you forgot to grab the link, contact us and we'll resend it.

Our initial application uses a soft credit inquiry, which does not impact your credit score. A hard inquiry only happens if you decide to move forward with a specific funding offer that requires one — and we'll tell you before that happens.

We'll tell you straight. If no product in our network fits your business today, we'll explain why and what could change the answer (more revenue history, paid-down existing debt, etc.). You won't get strung along.

One dedicated funding advisor handles your application end-to-end. Same person from first contact through funded. No hand-offs, no new names to remember every time you call.

No. We never charge upfront fees to apply or get matched with funding options. You only move forward if you choose to accept an offer.

Rates and terms depend heavily on the product, your credit profile, time in business, and revenue. We don't publish ranges because the spread is wide and misleading out of context. Once we review your application, we'll show you real offers with real numbers.

Repayment depends on the product. Working capital and MCAs typically use fixed daily or weekly ACH debits. Term loans and SBA loans use fixed monthly payments. Lines of credit charge interest only on what you draw. Your funding advisor will walk through the schedule before you sign.

It depends on the product and lender. Many of our partners offer no prepayment penalty; some charge a small early-payoff fee on term loans. We'll flag any prepayment terms before you accept an offer — no surprises.

Contact your funding advisor immediately — don't wait. Most lenders offer payment modifications, extensions, or restructures if you communicate early. Ignoring the problem triggers default processes that are much harder to unwind.

Yes, in many cases. If you have multiple advances or high-cost debt, we can often consolidate into a single lower-cost product. It requires good recent performance and typically some time since the last advance was taken.

SBA loans are government-backed, which means lower rates and longer terms (5–25 years) — but also more documentation and a longer approval window (4–8 weeks). They're best for larger, planned investments. For fast cash, a line of credit or working capital is usually the right call.

We're a licensed funding partner, not a bank. We work with a network of funding sources so you get matched to what actually fits your business. Final terms and approval come from the individual funding source. Full disclosures on our terms page.

We earn a commission from the funding source when a deal closes — paid by them, not you. This is standard practice in commercial financing. You don't pay us directly.

Yes. We use standard security measures to protect application data in transit and at rest. We only share your information with funding partners who are actively reviewing your application, and only with your permission.