Everything you want to know first.

Three things qualify most businesses: at least 6 months in business, $15,000+ in monthly revenue, and a personal credit score of 500 or higher. You’ll also need an active business bank account. Some products are even more flexible, and an advisor can help you find the best fit for your situation.

Funding ranges from $5,000 to $5,000,000 depending on the product and your business’s revenue and history. Your exact offer is based on cash flow, time in business, and the product you choose. Checking your options never affects your credit score.

Most applicants receive a decision within 24–48 hours, and 95% of approved customers are funded within 48 hours. For straightforward applications, same-day or next-day funding is common — sometimes in as little as four hours after you sign. SBA loans are the exception and typically take a few weeks given the federal process.

No. To apply and see your options we use a soft credit inquiry, which has zero impact on your score. A hard credit pull only happens later, with your explicit consent, if you decide to move forward with a finalized offer.

For most products, just your three most recent months of business bank statements and a government-issued ID. You can securely connect your bank in seconds during the application — no faxing or printing required. Larger loans and SBA products may ask for tax returns or financial statements, and your advisor will tell you exactly what’s needed.

Rates depend on the product, your revenue, time in business, and credit profile. Terms range from a few months for short-term loans up to 25 years for SBA loans. We believe in radical transparency: you’ll always see the full, all-in cost of capital in plain language before you sign — no hidden fees or surprises.

It depends on the product. Term loans use fixed daily, weekly, or monthly payments via automatic ACH. A line of credit is repaid as you draw, and a merchant cash advance is repaid as a small percentage of your daily card sales — so payments flex with your revenue. There are no prepayment penalties on our term loans, so paying early can save you money.

Most of our funding is unsecured, meaning no specific collateral is required. Equipment financing is secured by the equipment itself, and some larger loans may include a standard personal guarantee. Your advisor will always be upfront about any requirements before you commit.

Yes. We protect your data with bank-level 256-bit encryption, secure read-only connections to your bank, and rigorous compliance standards. We never sell your data, and your bank credentials are never stored on our servers.

Often, yes. Many of our customers pair products — for example, a line of credit for everyday cash flow plus equipment financing for a big purchase. With a 90% renewal rate, most owners come back as their needs grow, and we’ll structure a combination that makes sense for your business.

Almost any legitimate business purpose: payroll, inventory, equipment, marketing, expansion, hiring, renovations, bridging cash flow, or seizing a time-sensitive opportunity. It’s your capital — you decide how to put it to work.

It’s worth applying. Unlike traditional banks, we underwrite primarily on your real-time cash flow, not just your credit score — so many businesses that banks decline qualify with us. There’s no cost and no credit-score impact to find out.