How It Works

To qualify, you typically need: at least 6 months in business, minimum monthly revenue of $10,000, and a business bank account. Credit requirements vary by product - we have options for all credit types, including scores as low as 500.

No! Our initial application uses a soft credit pull that does not impact your credit score. A hard inquiry only occurs if you decide to accept a funding offer and proceed with the formal application.

Many of our funding options can deposit funds in as little as 24-48 hours after approval. Some products like SBA loans may take 2-4 weeks due to additional documentation requirements. Your funding advisor will provide specific timelines based on your chosen product.

For most products, you'll need: 3-6 months of business bank statements, a valid ID, and basic business information. Some products may require additional documentation like tax returns or financial statements. We'll let you know exactly what's needed based on your application.

You can use your funds for almost any legitimate business purpose including inventory, equipment, payroll, marketing, expansion, renovations, or managing cash flow. We don't restrict how you use your working capital - you know your business best.

Absolutely not. We believe in complete transparency. All fees, rates, and terms are clearly disclosed upfront before you accept any offer. There are no hidden costs, prepayment penalties (for most products), or surprise charges.