Every Way We Fund Your Business

The right product depends on three things: what you need the money for, how quickly you need it, and how your business generates revenue. If you need fast working capital and process card sales, a merchant cash advance may be the best fit. If you want ongoing access to funds, a line of credit gives you flexibility. For a specific purchase or investment, a term loan offers predictable payments. Our funding specialists walk you through all the options during a free consultation so you can make an informed decision.

Requirements vary by product, but most of our programs require at least $10,000 in monthly revenue and a minimum of 3 to 6 months in business. Some products, like lines of credit and commercial real estate loans, have higher thresholds. We do not require perfect credit for most products, and we look at your overall business health rather than a single credit score. The fastest way to find out what you qualify for is to apply online or call us directly.

Our fastest products, including merchant cash advances and business funding, can put money in your account within 24 to 48 hours of approval. Lines of credit typically take 3 to 7 days. Fix and flip loans close in 7 to 14 days. Commercial real estate deals usually take 2 to 4 weeks. SBA loans are the slowest at 30 to 90 days, but they offer the best long-term rates. We will give you a realistic timeline upfront so you can plan accordingly.

Yes. Many of our clients use multiple products simultaneously. For example, a business might have a line of credit for ongoing working capital needs and a term loan for a specific equipment purchase. As long as your business can support the combined debt service, we can structure multiple products to work together. Our underwriting team looks at the full picture to make sure the total obligation makes sense for your cash flow.

For most products, we need recent bank statements (typically 3 to 6 months), a one-page application, and a valid ID. Larger deals and specialized products like commercial real estate may require tax returns, financial statements, and additional documentation. We keep the initial application simple and only ask for additional documents when they are truly necessary for the underwriting decision.

We do not charge application fees or upfront costs to evaluate your deal. Any fees associated with your financing are clearly disclosed in your offer before you sign anything. We believe in full transparency, and you will never be surprised by hidden charges. If you are comparing offers from multiple lenders, we are happy to help you understand the true cost of each option so you can make an apples-to-apples comparison.