Business Loan Solutions

Basic requirements include: 6+ months in business, $10,000+ monthly revenue, and a 500+ credit score (varies by product). Documentation typically includes recent bank statements, a valid ID, and basic business information. Some products require more documentation than others.

Funding speed depends on the product. Working capital loans and merchant cash advances can fund in 24-48 hours. Term loans and lines of credit typically take 1-2 weeks. Equipment financing depends on the complexity of the purchase.

Our initial application uses a soft credit pull, which does not impact your credit score. A hard credit inquiry only occurs if you decide to move forward with a formal application after receiving your options.

A term loan provides a lump sum upfront with fixed monthly payments over a set period—ideal for one-time investments. A line of credit gives you access to funds you can draw from as needed, only paying interest on what you use—better for ongoing or unpredictable needs.

Yes. We offer products for businesses with credit scores as low as 500. Merchant cash advances and some working capital products focus more on your business revenue than personal credit. Better credit typically means better rates, but options exist for most situations.

It depends on the product. Working capital loans, merchant cash advances, and some lines of credit are unsecured (no collateral required). Equipment financing uses the equipment itself as collateral. Larger term loans may require collateral depending on the amount and risk profile.