Frequently Asked Questions

Most of our clients receive funding within 24 hours of approval. The entire process from application to funding typically takes 1-2 business days. In many cases, if you apply in the morning, you can have funds in your account by the next business day.

It depends on the funding type. For Merchant Cash Advances, we accept bad credit—we focus on your business performance, not your credit score. For Lines of Credit and Term Loans, we typically require a credit score of 650+. However, we review each application individually and consider your overall business health.

Funding amounts vary by product: Merchant Cash Advances range from $5,000 to $500,000; Lines of Credit go up to $250,000; and Term Loans range from $10,000 to $5,000,000. The exact amount you qualify for depends on your business revenue, time in business, and overall financial health.

We keep paperwork minimal. Typically, we only need 3-6 months of bank statements and basic business information. Depending on the funding type and amount, we may also request credit card processing statements or financial statements. Your funding specialist will guide you through exactly what's needed.

No! The application is completely free with no obligation. We also don't charge application fees, origination fees, or prepayment penalties. You only pay when you accept funding and use it for your business.

MCA repayment is based on a percentage (typically 10-30%) of your average daily credit card sales balance. Payments are automatically deducted based on your chosen schedule: daily, weekly, bi-weekly, or monthly. There's no fixed payment amount, making it ideal for businesses with fluctuating revenues.

With an MCA, your payment is based on your average daily balance, so it remains consistent whether you have a slow or busy week. This structure provides predictable payments while still being tied to your overall business performance rather than a rigid fixed amount.

Yes! There are no prepayment penalties. If you want to pay off your MCA early, you can do so at any time. This can be a great option if your business has a particularly strong month or receives a large payment.

For traditional MCAs, yes—we base funding on your credit card processing volume. However, if you don't accept credit cards, we have other funding options available such as Lines of Credit or Term Loans that may be a better fit for your business.

We typically require at least 6 months in business for MCAs, and 1+ year for Lines of Credit and Term Loans. However, we evaluate each application individually, so even newer businesses with strong revenue may qualify.

We work with a wide variety of businesses including restaurants, retail stores, salons, construction companies, medical practices, auto repair shops, landscaping businesses, and more. As long as your business has consistent revenue, we can likely help.

For MCAs, we typically look for at least $10,000 in monthly revenue. For Lines of Credit and Term Loans, we prefer to see $25,000+ in monthly revenue. These are general guidelines, and we evaluate each business holistically.

MCAs and most Lines of Credit do not require collateral—they're unsecured funding options. Some larger Term Loans may require collateral or a personal guarantee, depending on the amount and terms. Your funding specialist will discuss any requirements upfront.

You can use the funds for any legitimate business purpose including: inventory purchases, equipment upgrades, hiring staff, marketing campaigns, covering payroll, renovations, expansion, or managing cash flow gaps. The choice is yours!

Absolutely! Many of our clients return for additional funding as their businesses grow. Once you've made substantial progress on your current funding, you can apply for additional capital. We love working with returning customers and often offer better terms for repeat clients.

Yes! We use bank-level encryption to protect your personal and business information. Your data is stored securely and never shared with third parties without your consent. We take privacy and security very seriously.