Frequently Asked Questions

Answers to the questions we hear most often.

Don't see your question? Reach out a specialist will get back to you the same business day.

Most clients receive an initial response within 24 hours of submitting an application. Once you accept terms and complete documentation, funds typically disburse in 3–5 business days. Some programs like working capital and invoice factoring can fund the same week.
Nothing. Applications are free and carry no obligation. We only get paid when you accept and close on financing and our compensation is built into the program, not charged to you separately.
No. The initial review uses a soft credit pull, which has no impact on your credit score. A hard pull is only triggered after you accept a specific lender's terms and move forward.

We finance established commercial businesses — construction, manufacturing, transportation, agriculture, professional services, healthcare, hospitality, and most other industries. We do not finance consumer purchases or startup businesses without revenue.
Most programs require at least 6 months in business, though stronger programs (lower rates, longer terms) typically prefer 2+ years. SBA and commercial real estate programs may require 3+ years of operating history.
Programs are available across the credit spectrum. Borrowers with 680+ generally access the best rates and terms. We have programs that work for owners with credit scores as low as 550, though terms reflect the additional risk.
Most commercial financing requires a personal guarantee from owners holding 20% or more of the business. Some larger transactions and asset-based programs can be structured without one — we'll let you know up front.

We arrange financing from $25,000 to $10 million+ depending on the program. Working capital and equipment financing typically run $25K–$2M; commercial real estate and SBA loans can go significantly higher.
Rates vary by program, credit profile, time in business, and collateral. SBA loans currently start in the high single digits; equipment financing typically ranges from 7–18%; working capital depends heavily on cash flow strength. We'll always show you all-in costs, not just headline rates.
Both. Equipment financing and SBA loans are typically fixed-rate. Lines of credit are usually variable. We help you weigh the trade-offs based on your business and the rate environment.

We are commercial finance specialists with access to a nationwide network of vetted lenders. By presenting your file to the lenders most likely to approve and offer favorable terms, we save you time and typically secure better outcomes than going lender-by-lender on your own.
Yes. We arrange financing for businesses across all 50 states.
Every applicant is assigned a dedicated specialist who manages your file from application through funding. You'll have one point of contact not a call center.

Still have questions?

We're happy to talk through your specific situation. No obligation.