Frequently asked questions

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

We fund our core products — merchant cash advances, working capital, term loans, lines of credit and equipment — from our own capital, which is why we can decide quickly. SBA loans are issued by participating lenders, and the largest commercial real estate transactions are arranged with funding partners. We tell you which applies to your file before you proceed.

Nothing. There is no application fee and no obligation to accept an offer. The complete cost of capital is disclosed in writing before you sign anything.

At least one year trading, $180,000 or more in gross annual revenue, an active business bank account in your company’s name, and a U.S.-based operation.

Usually your three to six most recent business bank statements, basic business details such as EIN and entity type, and a government-issued ID for the owner. SBA and commercial real estate applications require a fuller package, which we assemble with you.

No. It is the purchase of a fixed amount of your future receivables at a discount. It carries no interest rate and no annual percentage rate; the cost is a flat factor rate fixed at signing, and remittance is weekly.

Often, yes. Equipment financing alongside a line of credit is common. We review your total obligations before recommending anything additional.

There is no prepayment penalty on our loans or lines. An advance is settled as a fixed purchased amount rather than an interest-bearing balance.

No. We fund U.S.-registered businesses trading in the United States.