Straight answers.

No. We look at the health of the business — monthly revenue, time in business, bank deposits — more than your personal FICO. Most of our customers have 600-680 personal credit. We've funded businesses with scores in the 500s when the cash flow is solid.

Six months minimum for most products. For equipment financing and lines of credit we typically want one year. There are exceptions — if you've been operating in the same industry for years and just rebranded, talk to us.

$15,000/month in business deposits is the floor for most products. Most of our funded businesses do $25k–$500k/month. We fund up to several million in monthly revenue.

Yes. About a third of our deals are stacks or consolidations of existing facilities. We'd rather consolidate three high-cost MCAs into one cleaner payment than watch you drown in daily debits.

All 50 states plus D.C. Some products have state-specific limits we'll flag during underwriting.

Five main products: Merchant Cash Advance (MCA), Business Line of Credit, Equipment Financing, Invoice Factoring, and Debt Consolidation. See the /capital page for ranges, speeds, and use cases.

Ranges by product: MCA $5K–$2M, LOC $25K–$500K, Equipment $10K–$1M, Factoring up to $5M against AR, Consolidation up to $2M. The right amount depends on your monthly revenue — typically 50%–125% of one month's deposits for an MCA.

Depends on the product. MCAs are priced as factor rates (e.g. 1.18 means $118K total payback on $100K). Lines of credit and equipment financing are APR-priced. We'll always show you total dollar cost — not just the rate — so you can compare apples to apples.

An origination fee on MCAs and equipment loans (rolled into the deal — no out-of-pocket). No application fee, no prepayment penalty on lines of credit, no hidden "renewal fee" tricks. The term sheet shows every dollar.

No. SBA loans are slow (60-90 days) and paperwork-heavy by design. We're built for speed. If your situation calls for SBA we'll tell you — and refer you to a partner who specializes.

Same-day for MCAs under $100K with clean documents. 24-48 hours for most deals. 3-5 business days for larger or more complex structures (consolidations, equipment with vendor coordination). Apply in the morning, fund by lunch is real — but it depends on your bank's wire cutoff.

4 months of business bank statements is the minimum. For larger deals or LOCs we may also ask for last year's tax return, an A/R aging report, and a voided check. We'll tell you exactly what's needed within an hour of your application — no document fishing.

No. Our initial application uses a soft pull — no impact on your FICO. We only do a hard pull if you accept a final offer and we're moving to fund.

5-step online application takes about 5-7 minutes. We review immediately, your dedicated advisor calls within 2 hours with preliminary offers. You pick the offer that fits, sign electronically, and the wire goes out same-day for most products.

We tell you why, in plain language, and we tell you what would change the answer. About 1 in 5 declined applicants come back 60-90 days later and qualify. We're not trying to win you for one deal — we're trying to fund you for the next decade.

On an MCA, we debit a fixed amount daily or weekly via ACH from your business checking account. The amount is set when the deal closes — it doesn't change with your sales. On lines of credit and equipment loans, you make monthly payments.

Reach out before you miss the debit. If revenue genuinely dipped (seasonal slowdown, equipment failure, weather event), we'll work with you on a temporary modification. We'd rather restructure for a customer who's communicating than chase a missed payment.

Yes, on most products. MCAs use a factor rate, so the total payback doesn't shrink the way an APR loan does — but we offer prepayment discounts on early payoff for customers in good standing. Lines of credit have no prepayment penalty, ever.

MCA: 3–18 months. Line of credit: revolving (no fixed term). Equipment financing: 24–60 months. Factoring: per-invoice, typically 30–90 days. Consolidation: 6–24 months.

Yes. About 60% of our customers renew. Once you've paid down ~50% of an MCA you can typically renew with new capital and a better factor rate based on your performance with us. Refinancing into a line of credit (cheaper, more flexible) is also common.

Three things in order: (1) cash flow — average daily balance, deposit consistency, NSFs. (2) Time in business + industry. (3) Existing obligations and their stack. We're cash-flow underwriters, not credit-score underwriters.

Because they tell the truth. Tax returns are a snapshot, P&Ls are reported numbers — bank statements show what actually moves through the business every day. We can read 4 months of statements and tell you what your business does for a living.

Almost never. For very large deals or factoring agreements we'll verify with key customers — but it's coordinated with you and never a surprise. For 95% of deals we underwrite from your statements alone.

Bank-grade encryption in transit and at rest. We use Plaid for read-only bank connectivity (we never get your password). Documents are stored in SOC-2 audited infrastructure. Internal access is logged and reviewed quarterly.

Never to third-party advertisers. We share with the funder pricing your deal (when we don't fund it ourselves) and with our service providers under NDA. Full details in our /privacy-policy.