Frequently Asked Questions

Most MCA deals fund within 24 hours of submitting a complete application. Same-day funding is common for deals under $250K when documents are submitted before 11am ET. Term loans take 2–5 business days. SBA loans take 30–90 days due to government review.

No. We use a soft credit pull for pre-qualification, which does not affect your credit score. We only do a hard pull if you accept an offer and proceed to closing — and even then, only for certain programs like SBA and term loans.

A factor rate (used for MCAs) is a simple multiplier. If you take $50,000 with a 1.30 factor, you pay back $65,000 total. APR (used for term loans) is an annualized interest rate. We always show both on our offer sheets so you can compare apples-to-apples.

No for most programs. MCAs and short-term loans are unsecured. Equipment financing uses the equipment as collateral. SBA loans typically require a personal guarantee and may include collateral for larger amounts.

600 minimum for MCA, 625 for lines of credit, 650 for term loans, 680 for SBA. We work with credit profiles others won't touch — call us if you're below these floors and we'll see what we can do.

It depends on the product. MCAs have set payback amounts (no benefit to prepaying early). Term loans typically have no prepayment penalty after 6 months. SBA loans have specific prepayment rules tied to loan term.

Yes. We look at your business's revenue and bank deposits, not just your FICO. If your business is generating consistent revenue, we can often fund you even with a 600 FICO or past credit issues.

Speed and flexibility. Banks take weeks-to-months, require pristine credit and lots of documentation. We can fund in hours, work with bruised credit, and use simple documents. Our rates are typically higher than banks, but we say yes when banks say no.

MCAs are perfect for seasonal businesses because payback flexes with daily revenue. We also structure term loans with seasonal payment schedules — bigger payments during your high season, smaller during your off-season.

Yes — working capital, equipment, marketing, payroll, inventory, expansion, debt consolidation, taxes, even buying out a partner. The only exception is SBA loans, which have specific use-of-funds requirements.

Just 3 things to start: government ID, basic business info, and 3 months of business bank statements. We can pull statements automatically via Plaid in 30 seconds — no PDFs to track down.

We require at least 6 months of operating history for MCA, 12 months for lines of credit, and 24 months for term loans/SBA. If you're under 6 months, talk to us — we can sometimes work with you using personal guarantees or alternative structures.

A small percentage of your daily card sales (or weekly bank deposits) is automatically deducted. When sales are high, you pay more. When sales are low, you pay less. The total payback amount is fixed up front — there's no interest accruing.

Yes — this is called "stacking" and we evaluate each request based on your business's ability to handle additional payments. We can also consolidate existing positions into one streamlined deal.

No application fees. No hidden fees. The cost of capital is clearly disclosed on your offer sheet as either a factor rate (MCA) or APR (term loans). Origination fees, if any, are itemized separately. What you see is what you get.

256-bit SSL encryption end-to-end. SOC 2 Type II certified. We never sell your data. Your application is shared only with our underwriting team and (with your consent) our capital partners for funding.

All 50 US states plus Puerto Rico. We're licensed where required (CA, NY, IL, VA, etc.) under our state-specific entities.

Absolutely — 92% of our clients come back. Once you've paid down 50% of an MCA, you can typically renew or take a new add-on. Term loan clients can usually refinance for more after 6 months of clean payments.