BUSINESS FUNDING FAQs

We offer a variety of funding solutions depending on your business needs and qualifications, including:

• Micro funding (great for newer or smaller businesses)

• Revenue-based financing (repay based on your cash flow)

• Term loans (fixed repayment over 1–5 years)

• Business lines of credit (flexible, revolving access to capital)

• Equipment loans (to purchase or lease business equipment)

• Invoice factoring (get paid faster on outstanding invoices)

• Progress-based funding (for businesses in growth stages or project milestones)

We’ll help you find the best fit based on your goals, cash flow, and time in business.

Don’t worry — you don’t have to figure that out alone. We’ll look at:

• Your monthly revenue

• Time in business

• Credit profile

• What you’re using the funds for
  From there, we’ll recommend the best options — whether you need fast working capital, equipment financing, or a long-term growth loan.

Requirements vary by product, but here are the general guidelines:

• 3–6 months in business (minimum)

• $5K+ in monthly revenue

• Business bank account

• Some options may require a personal credit score of 600+, while others are based entirely on cash flow
  Startups or lower-revenue businesses may still qualify for micro funding or equipment financing.

Some options (like revenue-based loans or lines of credit) can fund in 24–48 hours once documents are submitted.

Others (like term loans or equipment financing) may take 3–7 business days depending on underwriting and documentation.

We’ll give you clear timelines up front — and work quickly once you’re ready.

Most options involve only a soft credit pull for pre-qualification. A hard pull may occur if you choose to move forward with a specific loan, especially for term loans or lines of credit — but not all funding types require it. We’ll be transparent about what’s needed before anything is pulled.

The required docs depend on the loan type, but here’s what we commonly ask for:

• Last 3–6 months of business bank statements

• Driver’s license

• Voided check

• Business entity docs (LLC, EIN, etc.)

• Invoice or equipment quote (if applicable)

In many cases, that’s all we need to get started — and we’ll walk you through anything else depending on the funding type.

Yes — many of our funding options are available even if your credit score isn’t perfect.

We offer revenue-based funding, micro loans, and factoring solutions that rely more on your business performance than your credit. If your business is generating consistent revenue, we may be able to get you approved — even with a score under 600.

Yes — even newer businesses may qualify.
If you’ve been operating for 3+ months and have steady revenue (typically $5K/month or more), we can explore micro funding, equipment loans, or progress-based funding.

Startups with strong projections may also qualify for progress-based capital, especially if you’re launching with contracts or incoming cash flow.

Let’s review your situation and find what fits — we’re here to help you grow.