It is a purchase of a portion of your future receivables, not a loan. You receive a lump sum today and remit an agreed share of your deposits until the purchased amount is delivered. The total cost is fixed and disclosed up front — it does not compound like interest.
Most complete files get a decision the same business day. Once you accept the offer and we verify banking details, funds are typically wired within hours — same-day funding is common for applications submitted before mid-afternoon.
A short application, three of your most recent business bank statements, a government ID and a voided business check. No tax returns, no business plan, no collateral appraisal.
No. Our initial eligibility review is a soft inquiry only and has no effect on your credit score. You will always be told before any hard inquiry occurs.
Advances generally range from $10,000 up to $1,000,000, sized against your average monthly deposits rather than your credit score. Most first-time approvals land near one month of revenue.
Credit is a factor, not a gate. We underwrite revenue and cash-flow consistency first. If your file is not fundable today, we will tell you why and what would change the answer.
There is no penalty for early completion, and the only fee is an origination fee disclosed in your offer before you sign. If a number is not in your agreement, you will never be charged it.
Often yes, depending on the balance and your remittance history. Send us your existing balances with your application and we will tell you honestly whether an add-on or a payoff makes more sense.
One funding specialist, from your first call through renewal, reachable by phone Monday to Friday, 9:00AM to 6:00PM ET. You will have their direct number.
A fixed small share of your deposits is remitted on an agreed daily or weekly schedule via ACH. Because it is tied to receipts, the burden scales with how your business is actually performing.
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