What happens after you apply
How it works
Two minutes to apply, a day or two to fund, and nothing to pay for finding out.
Step 01
You apply
About two minutes online with the basics about the business. No fee, no paperwork to dig up, and a soft credit check that leaves the owner's score where it is.
Step 02
The offers come back together
One application reaches the network rather than one lender at a time, so the offers arrive as a set and can be compared side by side instead of accepted one by one.
Step 03
You choose, or you walk away
An advisor goes through what came back — what each costs, how each is repaid, which to refuse. Nothing is owed if you refuse all of them.
Questions
The questions, answered in full
How much can a business get?
Between $5,000 and $1,000,000, depending on which program fits and what the business turns over. Four of the six reach $1M; the advance stops at $500,000 and equipment financing at $250,000.
What is the difference between the term loan and the short-term loan?
On the figures this firm publishes, nothing — the same amount, term, rate and speed appear on both. Normally a term loan runs longer than a short-term loan, so ask what term each is being offered at before choosing between them.
How quickly does the money arrive?
One to two days for five of the six once an offer is accepted; the cash advance is 24 to 48 hours. Nothing here funds in an hour.
Will applying hurt my credit score?
No. The application is a soft credit check and leaves no mark. A hard inquiry only happens if you decide to proceed with a lender.
What does a factor rate mean?
It is a multiplier, not an interest rate. A 1.10 factor on $100,000 means $110,000 is repayable however long it takes, and paying it off early does not reduce it. Interest, by contrast, falls as the balance does.
Am I obliged to accept an offer?
No. The offers are yours to read and refuse, and nothing is owed if you refuse all of them.
The application
Apply
About two minutes, no fee, no obligation, and no mark on the owner's credit score for asking.
Rather talk to somebody first? (844) 358-6249.