Questions, answered straight

Just the basics: your name, business name, monthly revenue, and time in business. Two minutes online or one phone call. Bank statements come later, only if you want to see offers.

No. We use a soft inquiry, which never appears on your credit report and never affects your score. A hard pull would only ever happen later, with a specific funder, with your explicit consent.

Nothing. Applying is free, offers are free, saying no is free. You only ever pay the cost stated in a funding agreement you choose to sign.

An advisor calls you the same business day, and most complete files have offers within hours. Funding follows as fast as the same day for advances.

Six months in business, roughly $20K in monthly revenue, a business checking account, and a 500+ FICO. Different products layer on from there; each product page lists its specifics.

Not at all. Revenue and time in business carry more weight than credit for most of our products. Businesses with scores in the 500s get funded every day when the deposits are steady.

Almost certainly. Restaurants, trucking, construction, retail, medical, auto, salons, e-commerce, manufacturing, and most everything between. A few categories are restricted by funders (adult, firearms, crypto); call and we will confirm yours in one minute.

Usually yes, but stacking gets expensive. Depending on your balances, consolidating into one payment may serve you far better, and we arrange those too. Bring it up on the first call.

It depends on the product, your revenue, and your file. What we promise: the total dollar cost of every offer is disclosed before you sign, and your advisor will walk you through it line by line. No offer is ever a surprise at signing.

Advances collect a small share of sales daily or weekly. Loans and lines debit fixed payments on a schedule. Every structure is automatic, no checks to mail, and spelled out in the agreement.

Yes, and with many funders early payoff earns a discount on the remaining cost. Tell your advisor early payoff matters and we will prioritize offers that reward it.

Call your advisor before you miss a payment, not after. Funders work with businesses that communicate: adjusted debits, restructured schedules, bridge options. Silence is the only unfixable move.

It goes to our advisors and to funding partners evaluating your file. Full stop. We do not sell applications to lead brokers, and we do not blast your information across the internet. Details in our Privacy Policy.

Statements are how funders verify revenue without dragging you through tax returns and financials. Three to four months tells the whole story: deposits, balances, and existing obligations.

We arrange funding through a network of funding partners rather than lending our own capital, which is how one application reaches the funder whose criteria fit your business. Your funding agreement is with the funder; your relationship and point of contact stay with us.