Frequently Asked Questions

We work with businesses across all industries, including retail, construction, healthcare, manufacturing, hospitality, and more. Whether you're a startup or an established company, if you need working capital to grow your business, we can help. Our funding solutions are designed to be flexible and adaptable to your specific industry needs.

Most of our clients receive funding within 24-48 hours after approval. Our streamlined application process allows us to review your business quickly and provide you with a decision in as little as a few hours. Once approved, funds can be in your account the same day or next business day, depending on your bank.

To qualify for funding, your business should typically have been operating for at least 6 months and generate a minimum monthly revenue. We also consider factors like credit score, business bank statements, and industry type. However, we work with businesses of all credit levels and can often find a solution even if you've been declined elsewhere.

Most of our funding solutions are unsecured, meaning you don't need to put up collateral. We base our decisions primarily on your business's cash flow and performance. However, for certain types of financing or larger amounts, collateral may be required or can help you secure better terms.

A business loan provides a lump sum that you repay over a fixed term with regular payments. A merchant cash advance (MCA) provides upfront capital in exchange for a percentage of your future credit card sales or daily bank deposits. MCAs are repaid as you make sales, so payments flex with your revenue. Business loans typically have fixed payments regardless of your sales volume.

Funding amounts typically range from $5,000 to $500,000 or more, depending on your business's revenue, time in business, and financial health. The exact amount you qualify for is determined by reviewing your business's cash flow, bank statements, and overall financial position. We'll work with you to find the funding amount that best fits your needs.

Repayment terms vary depending on the type of funding you choose. Business loans typically have fixed daily or weekly payments over 3-18 months. Merchant cash advances are repaid through a percentage of your daily sales or bank deposits. Lines of credit allow you to draw and repay as needed. We'll work with you to find a repayment structure that aligns with your cash flow.

Prepayment terms vary by product. Some of our funding solutions allow you to pay off early without penalty, while others may have a small prepayment fee. All terms, including any prepayment conditions, will be clearly explained in your funding agreement before you sign. We believe in full transparency.

Rates and fees vary based on factors like your business's financial health, time in business, credit profile, and the type of funding you choose. We offer competitive rates and work hard to secure the best terms for your situation. You'll receive a detailed breakdown of all costs and the total repayment amount before accepting any offer.

Yes! Once you've established a payment history with us, you may be eligible for additional funding or renewal offers. Many of our clients access additional capital after paying down a portion of their existing balance. We value long-term relationships and often provide better terms for returning clients.

We understand that business can be unpredictable. If you're having trouble making a payment, contact us immediately. We'll work with you to explore options and find a solution. Communication is key - the sooner you reach out, the more we can help. Late or missed payments may result in additional fees and could affect your ability to secure future funding.