Have questions? Here are answers to your frequently asked questions, asked to requests.
We provide a suite of structured financing options, including:
Revenue-Based Funding and Merchant Cash Advances
Business Lines of Credit
Term Loans
Business HELOCs
SBA-backed financing
Each program is structured around your business’s performance and goals.
(We’ll help you determine the best fit during review.)
While requirements vary by product, most businesses we work with have:
At least 6–12 months in business
Regular deposits and demonstrable revenue
A business bank account
Consistent cash flow patterns
Products like SBA loans have additional documentation requirements, which we’ll walk through with you.
We review your historical revenue and deposit trends, cash flow patterns, and operational performance to structure an amount that supports your business without over-leveraging it.
Our goal is to balance access to capital with responsible repayment planning.
A Merchant Cash Advance is an advance of capital based on your business’s revenue performance, typically repaid through a percentage of your future sales. It’s not a traditional bank loan and offers flexible repayment tied to your actual revenue flow.
MCAs: Repaid as a percentage of revenue.
Lines of Credit: You draw what you need and pay interest only on the amount used.
Term Loans: Fixed monthly payments over a set term.
HELOCs: You pay interest on the balance you draw.
SBA Loans: Structured, amortized payments with competitive terms.
For most non-SBA programs, once your application is complete and terms are finalized, funds can often be delivered within 24–72 hours for qualified businesses.
SBA funding timelines vary due to additional documentation and approval steps.
Yes — you can begin the process with our online application. After submission, a funding specialist will contact you to review details and next steps.
We structure capital for a wide range of revenue-producing businesses — from retail and hospitality to services, tech, real estate, and more.
The key factor is consistent revenue performance — not industry label.
Our experienced underwriting team evaluates:
Revenue consistency and trends
Cash flow strength
Deposit patterns
Industry risk and stability
Existing financial obligations
We use this information to structure competitive terms that align with your business’s performance.
Line of Credit: Revolving access — borrow what you need, when you need it. You pay interest only on what you draw.
Term Loan: Lump-sum capital with fixed repayment terms — ideal for growth or larger investments.
Both support different strategic goals.
SBA loans are government-guaranteed programs that offer competitive terms and longer repayment schedules. They require more documentation than alternative funding but can be more cost-efficient for qualified businesses.
No — most initial reviews and pre-qualification checks are soft inquiries and do not impact your credit score.
Only full underwriting for specific products may involve a credit check, which we will disclose in advance.
Yes — depending on your business profile and needs, we may structure combinations (e.g., a line of credit with an SBA term loan) to optimize your capital strategy.
To expedite review:
Recent business bank statements
Revenue documentation
Basic business information
Financial goals summary
Having these ready speeds underwriting and funding.
Submit your question or schedule a call with a funding specialist — we’re here to clarify your options and help you secure the best structure for your growth.
Apply now or call (888) 729-9292
