How fast can I get funded?
Most working capital and term loan products fund within 24 hours of final approval. SBA loans take 30-90 days.
Does applying affect my credit score?
We start with a soft pull pre-qualification. A hard inquiry only occurs if you proceed to a full application.
What documents do I need?
For most products: 3-6 months of business bank statements, a government-issued ID, and basic business information.
What is a factor rate?
A decimal multiplier used for short-term loans. Example: $100K at 1.25 factor = $125K total repayment.
What is the minimum time in business?
Most products require at least 6 months. SBA loans may require 2+ years.
Can I pay off early?
Yes. Most products have no prepayment penalties.
What revenue do I need?
Minimum monthly revenue requirements start at around $5,000/month and vary by product.
How much can I borrow?
Depending on the product, revenue, and profile – anywhere from $10K up to $50M.
What credit score do I need?
We consider your full business profile. We work with a wide range of credit profiles.
Can I get funded with bad credit?
Yes in many cases. Strong revenue and time in business can offset a lower credit score.