How much does it cost?
You get one fixed factor rate, usually between 1.15 and 1.45. On a $40,000 advance at 1.25, you repay $50,000 in total. Your advisor shows you that number before you sign.
Are there fees to apply?
No. Applying is free, and there is no obligation to accept an offer.
How long does it take?
Most files get a decision within 1 business day of receiving your statements. Once you accept, funds usually land in 24 to 48 hours.
What slows an application down?
Missing statements. Upload all 3 months at once and keep your phone close for the call.
Does applying affect my credit score?
No. We start with a soft check that does not affect your score.
Do I need good credit?
Funders look mostly at your sales. Many approve owners with scores in the 500s.
What do I need to apply?
The short application and your last 3 months of business bank statements, as PDFs. A photo ID and a voided check come later, once you pick an offer.
How do I get my statements as PDFs?
Log in to your bank online, open Statements, and download each month.
Is my upload secure?
Yes. Files are encrypted in transit and at rest, and only your advisor's team can open them.
What can I use the money for?
Any business purpose: payroll, inventory, equipment, repairs or growth.
How much can I get?
Usually between 50% and 150% of your average monthly revenue, from $10,000 up to $500,000.
How does repayment work?
A fixed share of your sales, often 8% to 15%, collected daily or weekly from your business account. Busy days pay more, slow days pay less.
What if my sales slow down?
Your payments follow your sales. If revenue drops, call your advisor and we will ask the funder to review your payments.
Can I get more funding later?
Yes. Once about half is repaid, many owners qualify for a renewal.
Am I committed once I apply?
No. You see your offer first, then decide.
No match. Call us and ask.