Application & Eligibility
Getting Started
How long does the application take?
Our application takes approximately 4 minutes to complete online. We only ask for the essentials — your business name, monthly revenue, time in business, and how much capital you need.
What do I need to qualify?
To qualify for working capital, you generally need: at least 6 months in business, a minimum of $25,000 in monthly revenue, and 3–4 months of business bank statements. Credit score requirements are flexible — we look at your overall business health, not just a number.
Will applying affect my credit score?
No. We use a soft credit pull during our initial review, which does not affect your credit score in any way. A hard pull is only conducted if you formally accept an offer and proceed with funding.
Can I apply if my credit score is low?
Yes. We evaluate your business based primarily on revenue and cash flow. Many of our clients have been turned down by traditional banks due to credit scores and still qualified with us. Every business is reviewed individually.
What industries do you work with?
We work with businesses across virtually all industries including retail, restaurants, construction, healthcare, transportation, salons and spas, auto repair, law firms, and more. If your business generates consistent monthly revenue, we want to talk.
Funding & Repayment
Money Matters
How fast can I get funded?
Most clients receive a decision within 24 hours and funding within 72 hours of submitting their application and bank statements. Same-day funding is available for qualifying applications received before noon ET.
How does repayment work?
For working capital, repayment is made through a small daily percentage of your business receipts, automatically debited from your business bank account. For term loans, you make fixed monthly or weekly payments. Your full repayment schedule is always disclosed before you sign.
Are there any hidden fees?
Absolutely not. We show you the full repayment amount — including all fees — before you sign anything. What you see is what you pay. No surprises, ever.
Can I pay off early?
Yes. Early repayment is allowed on all of our products. Depending on your agreement, early payoff may result in a discount on remaining fees. Your advisor will explain your specific terms.
Can I get a second advance while still repaying the first?
In many cases, yes — once you've repaid a certain percentage of your original advance, you may be eligible for a renewal or additional funding. Repeat clients often qualify for larger amounts and better rates.
Products
Our Financing Options
What's the difference between working capital and a term loan?
Working capital starts at $25,000 and is repaid from your daily business receipts — payments fluctuate with your revenue. Term loans start at $500,000 and have fixed monthly payments over up to 60 months. Term loans are better suited for larger, longer-term projects.
What is a CRE loan?
Our CRE (Commercial Real Estate) loan starts at $6,000,000 and is secured by commercial real estate. It offers interest-only payments for up to 60 months, making it ideal for property acquisitions and development projects in the NYC area.
What can I use the funding for?
You can use your funding for virtually any legitimate business purpose — inventory, payroll, equipment, renovations, marketing, hiring, expansion, or covering operational gaps. There are no restrictions on use for working capital.