Frequently Asked Questions

As a family-run business, we focus on real people providing real support. We offer faster approvals, more flexible terms, no complicated hoops, and no corporate coldness - just direct funding solutions for small and mid-sized businesses.

As a direct funder, we control the entire process from application to funding, eliminating intermediaries and delays. This means you get the fastest possible funding - often same-day - with transparent terms since there are no broker fees or hidden costs. We're retention-focused, not transactional; we view every client as a long-term partner and invest in your success through flexible terms and renewal opportunities. You'll receive priority support with direct access to decision-makers who understand your business and can quickly address your needs. Unlike ISOs or brokers who hand you off after closing, we remain your dedicated funding partner, providing personalized service, proactive communication, and solutions that grow with your business. Our family-run approach means you're working with real people who genuinely care about your success, not just another account number in a corporate system.

Yes, credit scores are just one factor in our evaluation. We focus on what really matters: your business performance. We analyze your time in business to understand your operational stability, review revenue trends to see your growth trajectory, examine processing volume to assess transaction consistency, and carefully evaluate your last 3 months of bank statements to understand your cash flow patterns. This comprehensive approach allows us to approve businesses that traditional lenders might decline, because we recognize that a strong business with healthy financials deserves funding regardless of past credit challenges.

Once you've successfully repaid a portion of your funding, you become eligible for renewal or refinancing options. Our renewal process is streamlined - we analyze your payment history and current business performance to offer additional capital, often at better terms. Refinancing allows you to consolidate existing balances with new funding for a fresh start. Many clients leverage our renewal program to access larger amounts as their business grows, creating a scalable funding partnership that evolves with your needs.

Yes! We reward businesses that pay off their funding early with attractive pre-payment discounts. When you're ready to pay off your remaining balance ahead of schedule, we calculate a discounted payoff amount that reduces your total cost. This benefit allows you to save money while building a strong track record with us, which can lead to even better terms on future funding. Many of our clients strategically use pre-payment discounts to optimize their funding costs when cash flow allows.

Yes, we provide business funding nationwide across all 50 states. From major cities like Los Angeles, New York, and Chicago to smaller communities, we serve businesses throughout the United States with fast, reliable funding solutions.

The only documentation we require is your last 3 months of business bank statements - that's it. Our application will ask you to provide important business information such as your Federal Tax ID (EIN), business details, and owner information including Social Security Number for verification purposes. As part of the process, we'll request your consent and authorization to perform soft credit pulls and other verification checks, which won't impact your credit score. This streamlined approach means no complicated paperwork, no extensive financial statements, and no collateral documentation. We can typically review your application and provide a decision within 24 hours based on these basic requirements.

The more financial history you provide, the stronger your application becomes. While we require a minimum of 3 months of bank statements, our application allows you to upload up to 24 months of bank statement history. Providing extended history helps us better understand your business cycles, seasonal patterns, and growth trajectory, which often leads to higher approval amounts and better terms. Additionally, demonstrating consistent deposits, healthy average daily balances, and minimal NSF/overdraft activity strengthens your position. If you have multiple business accounts or revenue streams, including statements from all accounts gives us a complete picture of your business health. A strong payment history with previous lenders (if applicable) and evidence of recent revenue growth also significantly strengthen your proposal.

Our clients use funding for diverse business needs: purchasing inventory for seasonal demand, covering payroll during cash flow gaps, investing in marketing campaigns, upgrading equipment or technology, expanding to new locations, renovating existing spaces, taking advantage of bulk purchase discounts, bridging receivables gaps, managing unexpected expenses, and seizing time-sensitive opportunities. The flexibility of our funding means you can allocate capital where your business needs it most, without restrictions on how you use the funds.

Communication is key - contact us immediately if you anticipate any payment challenges. We're your long-term funding partner, not just a transaction, and we want to help you succeed. The sooner you reach out, the more options we have to work with you. We can explore solutions such as temporary payment restructuring, adjusted payment schedules during slow periods, or refinancing options to consolidate and create more manageable terms. Our team understands that businesses face unexpected challenges, and we've helped countless clients navigate difficult periods while maintaining their funding relationship. Proactive communication protects your relationship with us and preserves your eligibility for future funding. Remember, we're invested in your success - ignoring the issue only limits our ability to help, while reaching out early opens doors to solutions.