Everything you wanted to ask.

Our baseline requirements are simple: 6+ months in business, $15,000+ in monthly revenue, and a 500+ personal credit score. Meeting those means you're very likely to qualify for at least one product.

If you fall just outside one of these, it's still worth applying—our underwriters weigh your real cash flow heavily, so strong revenue can offset a lower score and vice versa.

Fast is our whole thing. Approvals come back in 24–48 hours, and 95% of approved customers receive funds within 48 hours—frequently same-day or next-day once you sign your offer. Invoice factoring and merchant cash advances are often funded the very same day.

Rates and terms depend on the product, your time in business, revenue, and credit profile. Terms range from 3 months to 10+ years and amounts from $5,000 to $5,000,000.

Whatever your offer, you'll always see the full cost up front—rate, term, and total payback—before you sign. No hidden fees, no surprises in the fine print.

No. Getting a quote uses a soft credit check only, which never affects your score. We only run a hard pull later, with your explicit consent, if you decide to move forward with a finalized offer.

For most products, all we need to start is your basic business details and your last 3–6 months of business bank statements (which you can connect securely online in seconds).

Larger loans or SBA financing may require additional items like tax returns or financial statements—your advisor will give you a short, clear checklist if so.

Often, no. Most of our funding—lines of credit, short- and long-term loans, and merchant cash advances—is unsecured, meaning no specific collateral is required. Equipment financing is naturally secured by the equipment itself, and some SBA loans may require collateral. Your advisor will always be upfront about what (if anything) is needed.

It depends on the product. Term loans use fixed daily, weekly, or monthly payments via automatic ACH. A merchant cash advance is repaid as a small percentage of your daily card sales, so payments flex with revenue. A line of credit lets you pay down and re-borrow as needed.

Many products have no prepayment penalty, so paying early can save you money.

Absolutely. We use bank-grade 256-bit encryption for all data in transit and at rest, and we connect to your bank through a secure, read-only integration. We never sell your data, and your information is only used to evaluate and service your funding.

Quite possibly. Because we underwrite on real cash flow—not just a credit score—businesses with scores as low as 500 are often approved, especially products like merchant cash advances and invoice factoring that lean on revenue and receivables rather than credit history.

Anywhere from $5,000 to $5,000,000, depending on the product and your business's revenue and history. A common guideline is that you can access up to around one month of your gross revenue per funding, but many customers qualify for more. Your offer will show your exact approved amount.

Yes. Many growing businesses pair products—for example, a line of credit for everyday cash flow plus equipment financing for a big purchase. Your advisor will help you stack funding responsibly so your total payments stay comfortable.

It only gets easier. Once you've established a track record with us, renewals are fast—often just a click—and may come with better terms. That's a big reason 90% of our customers come back for additional funding.