Have a question? Ask away.

What do I need to qualify?

For most products you need 6 months in business and $5,000 or more in monthly deposits. Checking your options never affects your credit. For anything specific to your business, an underwriter can walk you through it.

How much monthly revenue do I need?

Most products start at $5,000 a month in business bank deposits, measured over your last four months of statements. Lines of credit and larger term loans start a bit higher.

How long do I need to have been in business?

Most products need 6 months in business. Newer businesses with strong deposits can still qualify for an advance; an underwriter can tell you quickly.

What credit score do I need, and do you check my credit?

We work with scores as low as 500 on some products. Bank deposits matter far more to us than your score. Applying involves no credit check; we run a soft inquiry only when you first accept an offer, and never a hard pull.

What documents do I need to apply?

Four months of business bank statements. If you already have advances open, we also ask for the payoff balances. No tax returns or business plan.

Can I qualify if a bank already declined me?

Very likely. 8 out of 10 clients who were declined by a bank get funded with us, because we underwrite on cash flow rather than collateral or a credit cutoff.

How does a merchant cash advance compare to a term loan?

A merchant cash advance is repaid as a small percentage of daily sales, so payments rise and fall with revenue and funding is fast. A term loan has fixed monthly payments over a set number of months and usually costs less if your cash flow is steady.

General guidance only. Your actual terms depend on your bank statements.