Frequently Asked Questions.

To qualify for our institutional products, businesses generally need:

• $300,000+ average monthly revenue (New Merchants).
• $250,000+ average monthly revenue (Renewals).
• 620+ FICO score for the primary owner.
• $25,000+ average daily bank balance.
• 2+ Years in business.

Note: Exceptions can be made for high-growth companies with strong asset backing.

It depends on the product:

• Merchant Cash Advance (MCA): No physical collateral required. Unsecured based on revenue.
• Secured Lending: Yes, requires Real Estate or Machinery as collateral to secure lower rates and longer terms.

No. We are a debt capital provider, not venture capital. We provide non-dilutive funding, meaning you retain 100% ownership and control of your board and business decisions.

We perform a Soft Pull for the initial eligibility check, which has no impact on your FICO score. A Hard Pull is only performed at the final stage of funding when contracts are issued.

We move at the speed of business. Once your application is complete (Application + 3 months bank statements), our underwriting team typically provides a decision in 4 hours. Wiring of funds usually occurs within 24 to 72 hours.

For our MCA product, no. It is a purchase of future receivables, not a loan. This means there is no fixed term and no interest rate (funds are provided at a factor rate). It allows for much faster funding and less paperwork than a traditional bank loan.