The honest answers, in plain language.

Three baseline criteria cover most products: at least 6 months in business, $15,000+ in average monthly revenue, and a 500+ personal credit score. Some products (like SBA loans) have additional requirements, while others (like merchant cash advances) weight revenue more heavily than credit. If you're close on one criterion, apply anyway — our underwriters look at the whole picture.

No. Submitting an application triggers only a soft inquiry, which is invisible to other lenders and has zero impact on your score. A single hard inquiry occurs only at the final approval stage, and only with your explicit consent. You can explore your options risk-free.

Most applicants receive a decision within 24–48 hours, and 95% of approved files are funded within 48 hours. For products like lines of credit and merchant cash advances, same-day or next-day funding is common once you sign. SBA loans are the exception — by nature they take 30–60 days.

Pricing reflects your business's health — revenue, time in business, cash-flow consistency, industry, and credit profile — along with the product and term you choose. Stronger profiles unlock lower rates and longer terms. Whatever your offer, you'll see the total cost of capital in plain numbers before you sign. No hidden fees, no surprise prepayment penalties.

To start, just the basics: your most recent three months of business bank statements, a government-issued ID, and a voided business check or bank details. Larger or SBA-backed requests may require tax returns and financial statements, but your advisor will tell you exactly what's needed — no guessing.

Most of our working-capital products are unsecured — no collateral required. Equipment financing is secured by the asset itself, and SBA loans follow SBA collateral guidelines. A personal guarantee is standard across the industry for small-business lending; your advisor will be transparent about what your specific offer entails.

It depends on the product. Term loans use fixed daily, weekly, or monthly payments via automatic transfer. Lines of credit are repaid on what you draw. Merchant cash advances and factoring are tied to your sales, so payments rise and fall with revenue. Every schedule is laid out clearly in your agreement, and early repayment is always penalty-free.

Yes. We protect your data with bank-grade 256-bit encryption in transit and at rest, follow strict access controls, and never sell your information. Bank connections are read-only — we can verify your statements but can never move money from your accounts.

Absolutely — and most of our clients do. Once you've established a track record with us, renewals and increases are faster and often come with improved terms. It's a big reason 90% of our customers renew and 22% refer another owner.

That's exactly what your advisor is for. Submit one application and tell us about your situation — we'll recommend the structure that fits best, even if it's a smaller or cheaper product than you first considered. We'd rather earn your renewal than oversell you today.