Question 1

What types of business financing do you offer?

Accepted Answer

We work with business term loans, business lines of credit, revenue-based financing, merchant cash advances, and consolidation or refinancing structures. Separate home-equity (HELOC) programs are also available for qualifying homeowners. Availability depends on the program and your business profile.

Question 2

How much business financing can I qualify for?

Accepted Answer

Available amounts vary by product and by business. Underwriting generally considers revenue, deposit activity, time in business, industry, credit profile, and existing obligations. We do not publish approval amounts because they are determined case by case.

Question 3

What determines how much my business qualifies for?

Accepted Answer

Common factors include monthly revenue and deposits, time in business, cash flow consistency, industry, credit profile, current financing positions, and the intended use of funds. Each program weighs these differently.

Question 4

How quickly can financing be completed?

Accepted Answer

Timing varies by product, documentation, underwriting requirements, and closing conditions. Short-term working capital products generally move faster than larger term facilities. We do not guarantee funding times.

Question 5

What documents will I need?

Accepted Answer

Requirements vary by program, but may include business bank statements, a completed business application, a driver's license or other identification, a voided business check, financial statements, tax returns, current financing balances, and additional underwriting documents depending on the program.

Question 6

Do you offer business lines of credit?

Accepted Answer

Yes. A business line of credit provides revolving access to capital that can be drawn as needed, subject to approval, program terms, and any applicable draw or maintenance conditions.

Question 7

What's the difference between a term loan and a merchant cash advance?

Accepted Answer

A term loan is a loan: a fixed amount repaid over a defined period under the terms of a loan agreement. A merchant cash advance is generally not a loan. It is the purchase of a specified amount of future business receivables in exchange for an upfront purchase price, with remittances tied to receivables as described in the agreement. The two products are structurally and legally different.

Question 8

Can I apply if I already have business financing?

Accepted Answer

Yes. Existing obligations are part of underwriting, and in some cases refinancing or consolidation structures may be available depending on the positions in place and your business profile.

Question 9

Will applying affect my credit?

Accepted Answer

[INSERT COMPANY CREDIT-INQUIRY POLICY]

Question 10

What industries do you work with?

Accepted Answer

We work across construction, transportation, restaurants, retail, manufacturing, healthcare, dental, automotive, professional services, e-commerce, wholesale, hospitality, home services, landscaping, logistics, and technology, among others. Certain industries may be restricted by individual programs.

Question 11

Do you work with businesses with imperfect credit?

Accepted Answer

Qualification depends on the specific program and the overall business profile. Some products weigh revenue and deposit history more heavily than credit score, while others have stricter credit standards.

Question 12

Am I obligated to accept an offer?

Accepted Answer

[INSERT COMPANY OFFER-OBLIGATION POLICY]

Question 13

How does a business line of credit work?

Accepted Answer

Once approved, a credit limit is established. You draw funds as needed and repay according to the agreement, and repaid amounts may become available again subject to program terms. Fees, draw rules, and renewal conditions vary by program.

Question 14

What is revenue-based financing?

Accepted Answer

Revenue-based financing structures repayment or remittance around business revenue and cash flow rather than a fixed amortization schedule alone. Structure, cost, and remittance frequency vary by program and are disclosed in the agreement.

Question 15

How does consolidation work?

Accepted Answer

Consolidation or refinancing may combine or replace existing financing positions with a single new structure where a business qualifies. Availability depends on the positions in place, the funders involved, and underwriting. We do not promise savings, lower payments, or eligibility.

Question 16

How do HELOC programs work?

Accepted Answer

Home-equity programs are consumer financing secured by a residence and are handled separately from commercial financing. Eligibility, terms, disclosures, and licensing requirements differ. See our HELOC page for program details and required disclosures. [INSERT HELOC PROGRAM AND LICENSING DISCLOSURES]

Business financing questions, answered directly.

Frequently asked questions

Find out what financing options are available to your business