Frequently Asked Questions

We require a minimum FICO score of 500. We work with businesses that traditional banks often turn away — your credit score is just one part of the picture.

We look for $4,000–$6,000 in monthly revenue as a minimum. This helps us ensure the repayment fits comfortably within your cash flow.

We require a minimum of 4–6 deposits per month. This shows consistent business activity and cash flow.

The primary applicant must own at least 67% of the business. This ensures the decision-maker is the one applying.

Negative days refer to days when your bank account balance drops below zero. We allow a maximum of 7 negative days per month.

Absolutely. Home-based businesses are fully eligible. You don't need a commercial address to qualify.

Yes — sole proprietorships are welcome. You don't need an LLC or corporation to apply for funding.

We offer funding from $2,600 up to $5,000,000. The amount you qualify for depends on your monthly revenue, business history, and other factors.

Repayment can be structured as daily, weekly, or monthly — depending on what works best for your cash flow. Payments are made via automatic withdrawal.

Repayment terms range from 5 to 84 months, giving you flexibility to choose a duration that fits your business.

All payments are collected via automatic withdrawal from your business bank account on your agreed schedule.

Tax liens over $50,000 require an active payment plan to be in place. Tax liens under $50,000 do not automatically disqualify you.

Yes — we can pay off up to 7 existing loans. After payoffs, you must net at least 50% of the funded amount.

No. We use a soft credit pull only, which has zero impact on your credit score. You can apply with complete confidence.

Contracts are sent digitally via DocuSign to your email address. You can review and sign from any device — no printing or in-person visits required.

Once approved and your contract is signed, funding can be deposited as quickly as the same business day in many cases.

Typically we need recent bank statements (3–6 months), a voided check, and basic business information. Our team will guide you through exactly what's needed.