Most of our products do not depend on personal credit the way a bank loan does. MCA, invoice factoring, and credit card split look at your business cash flow first. We have funded businesses with FICOs in the 500s when the underlying business is healthy. Term loans and SBA do require stronger personal credit, typically 680+.

Time-in-business requirements vary by product. MCA can fund businesses as young as 6 months with consistent revenue. Term loans, lines of credit, and SBA typically need 12–24 months. We will tell you exactly which products fit your situation in the first call.

No. Initial applications are soft inquiries that do not impact your score. We only run a hard pull once you have reviewed and accepted a specific offer in writing.

An MCA is a purchase of future receivables, not a loan. Instead of a fixed monthly payment with APR, you repay a fixed total via a daily or weekly holdback that adjusts with sales. Faster to fund, more flexible on credit, but priced higher than a conventional loan.

MCA and credit card split: same day to 24 hours. Equipment financing: 24 to 72 hours. Conventional term loans: 7 to 14 days. Lines of credit: 5 to 10 days. SBA: 30 to 90 days. Bridge loans on real estate: 5 to 14 days.

For a soft application, just basic business and contact info. To get to a real offer, expect to share 3-6 months of business bank statements. For larger products like term loans or SBA, you will need tax returns, financial statements, and a clear use of funds.

A factor rate is a multiplier (e.g. 1.30 means you repay $1.30 for every $1.00 advanced). It is not directly comparable to APR because the repayment timing differs. We will walk you through both numbers so you can compare apples to apples.

Yes. We work with stacked deals routinely. We can also restructure multiple existing MCAs into a single, cleaner deal that improves your daily cash flow. Tell us what you have.

We are a direct funder for working-capital products. For SBA, CRE, and certain specialty products, we structure the deal and place it with bank or institutional capital partners — but we stay on the file as the relationship lead.

$10,000 is our typical floor for MCA. Equipment financing starts around the same. Term loans typically start at $50,000. CRE and SBA products start at $250,000.

$1,000,000 on most working-capital products. Up to $5,000,000 on SBA 7(a). Up to $25,000,000+ on commercial real estate transactions.

Depends on the product. MCA and credit card split: no collateral. Equipment financing: the equipment is collateral. Term loans and SBA: typically a UCC blanket lien on business assets, sometimes personal guarantee. CRE: the property is collateral.

MCA structures often allow early repayment at a discount on remaining balance. Term loans and SBA may have prepayment penalties — we will disclose them clearly before you sign.

DSCR (Debt Service Coverage Ratio) loans qualify based on the rental income the property generates, not the borrower personal income. They are primarily used by buy-and-hold real estate investors who own multiple properties and have hit DTI ceilings with conventional lenders.

Yes. We structure DSCR-style loans for short-term rentals, qualified on actual or projected STR income (often via AirDNA market data). No personal tax returns required.

Short-term, asset-backed financing — typically 6 to 24 months — used to bridge between transactions or before permanent financing. Common uses include closing on a new property before selling an existing one, capturing time-sensitive deals, and funding partner buyouts.

Yes. We have an active ISO partner program with competitive splits and direct-to-underwriter access. See our /partners/ page for the application.

Yes. Every form on the site uses split SMS opt-in language with required transactional consent and optional marketing consent, in line with TCPA and carrier requirements. Reply STOP to opt out, HELP for help.

Our office is in Ronkonkoma, NY (2805 Veterans Memorial Hwy, Ste 18). We fund businesses in all 50 states from this location.

Easiest path: fill out the 3-step Quick Lead form on our home page. It takes three minutes, no SSN, no credit hit. We will route to the right product and call you within one business hour.