Everything you need to feel certain.

Our baseline criteria are straightforward: at least 6 months in business, $15,000 or more in average monthly revenue, and a personal credit score of 500 or above. These are guidelines rather than hard cutoffs — many clients who fall slightly outside one criterion still qualify based on overall business performance, so it's always worth applying.

Most applications receive a decision within 24–48 hours. Once you sign your agreement, many products fund the same day or the next business day. In fact, 95% of our approved clients are funded within 48 hours of approval.

No. There is no hard credit check to apply or to see your prequalified options — we use a soft inquiry that does not impact your score. A hard inquiry only occurs if you accept a finalized offer and choose to move forward with funding.

Funding ranges from $5,000 to $5,000,000 depending on the product and your business profile. Your approved amount is based on factors like monthly revenue, time in business, and the specific solution you choose. Your advisor will walk you through exactly what you qualify for.

Rates and terms vary by product, creditworthiness, and business performance. Short-term products run 3–18 months; long-term loans extend 2–5 years; SBA loans can reach up to 10 years; and lines of credit revolve. Every cost is disclosed transparently and explained by your advisor before you sign — there are no hidden fees.

For most products, you'll need a completed application, the last 3–6 months of business bank statements, and a government-issued ID. Larger or longer-term products (like SBA loans) may also require recent tax returns and financial statements. Our platform lets you upload everything securely in minutes.

It depends on the product. Term loans use fixed daily, weekly, or monthly payments via automatic ACH. Lines of credit are repaid on what you draw. Merchant cash advances and factoring flex with your sales and receivables. Your advisor will set up a schedule that fits your cash flow, and many clients qualify for early-payoff savings.

Many of our products are unsecured and require no specific collateral. Equipment financing is secured by the asset purchased, and some larger facilities may require a personal guarantee. We'll always tell you upfront what, if anything, is required for your chosen product.

Often, yes. Our underwriting takes a performance-first view of your business, weighing revenue and cash flow alongside credit. We work with scores starting at 500, and products like merchant cash advances and invoice factoring place even less emphasis on personal credit.

Absolutely. We protect your data with bank-grade 256-bit encryption, secure document handling, and strict internal access controls. We never sell your personal information, and your details are used solely to evaluate and service your funding.

Yes. Many clients pair a line of credit for everyday cash flow with a term loan or equipment financing for larger investments. Your advisor will help you build a capital structure that works together rather than against you.

Renewing is simple and a big reason 90% of our clients come back. As you pay down a balance, you often become eligible to renew or increase your funding, sometimes with improved terms. Your advisor will proactively reach out when you're eligible.