Everything people ask us, answered plainly

The broad strokes: 6+ months in business, roughly $15K+ in monthly revenue, and a business bank account. Credit matters less than most people fear — revenue-based programs regularly approve scores in the 500s. Each product page lists its specific bar.

No. Everything up to accepting an offer runs on soft inquiries with zero score impact. A hard pull happens only with your explicit consent for a specific program you’ve chosen.

It’s barely a data point. Banks decline most small business applicants, usually on rigid criteria like time in business or industry code. Our lender network prices on your actual revenue and trajectory — bank declines get funded here every week.

Under six months of revenue history, options narrow but exist: equipment financing (the asset qualifies), invoice factoring (your clients qualify), and personal-credit-based programs. Apply and we’ll map what’s realistic rather than sell you what isn’t.

Nearly all — construction, restaurants, healthcare, trucking, retail, manufacturing, professional services and dozens more, including several that mainstream lenders avoid. See the industry pages for tailored programs.

It ranges honestly: SBA and term loans from single-digit APRs for strong profiles; revenue-based working capital costs more in exchange for speed and accessibility. Whatever the product, you see total dollar cost — not just a rate — before signing. If the math doesn’t serve you, we’ll say so.

No — and we’re structurally allergic to them. Every offer we present itemizes origination, cost and any prepayment terms in writing. Lenders who bury fees don’t stay on our bench.

Usually yes, and often with a discount on remaining cost rather than a penalty. The exceptions are flagged loudly before you sign — never discovered after.

For most products, our compensation comes from the lender side and is disclosed. You will never be surprised by a BTEC fee — if a specific engagement involves one (some complex commercial work does), it’s agreed in writing upfront.

The honest shorthand: working capital typically sizes to about 1–1.5× monthly revenue; equipment to the asset’s value; SBA and term loans to cash-flow capacity. The four-minute application returns your actual range.

Working capital: 24–48 hours is typical, not exceptional. Equipment: 2–5 days. Term loans: 3–7 days. SBA: 30–60 days. The single biggest speed factor is you — files with bank statements attached move roughly twice as fast.

A named specialist with a direct phone line, assigned by product and industry. No queues, no ticket numbers, no re-explaining your business to a new stranger each call.

Encrypted in transit, never sold, shared only with lenders actively quoting your file. An application here does not subscribe you to a lifetime of robocalls.

Very commonly — equipment financing plus a working line, or factoring alongside a term loan. Instruments secured by different collateral stack cleanly, and your specialist will structure the combination deliberately.

Nothing bad. There’s no cost and no obligation at any point before signing a specific offer. Files pause and resume all the time — your specialist simply keeps your information ready for when timing improves.

Two fast fixes: call (877) 283-2321 and ask a human, or drop your question in the application below — the specialist who picks it up will answer it directly, no strings attached.