Frequently asked questions

We provide flexible, cash-flow–based funding for small and mid-sized businesses. Our core programs include:

• Merchant Cash Advances based on future receivables
• Working Capital Funding for inventory, payroll, or unexpected expenses
• Expansion Capital for equipment purchases, new locations, or growth initiatives

We tailor each offer based on your business model and cash flow.

Our funding programs can support a wide range of needs depending on your revenue, industry, and financial profile.

After reviewing your application and bank activity, we’ll outline your available funding range and programs.

We are a direct commercial funding partner. We move faster, think flexibly, and say yes when banks say no, all while using the same, institutional-grade underwriting standards you’d expect from the biggest players.

The application process is straightforward. You’ll typically need:

• Basic business information
• Estimated revenue and time in business
• Owner identity verification
• Recent business bank statements

You can begin anytime through our secure application portal.

We do not run hard credit pulls at any stage. Your initial application and our full review will never impact your personal or business credit scores. Period.

Most business owners complete the application in 5-7 minutes. If we need additional documents, our team will reach out directly.

Many approvals are funded as soon as the same business day once documentation is completed. Timing varies based on industry and underwriting complexity, but our team sets expectations clearly.

Funds are typically sent via ACH to your verified business bank account.

No. Once approved, you can review your options and decide whether or not to move forward. There is zero obligation to accept funding.

Repayment is structured based on your cash flow. This may include:

• Daily, weekly oe monthly ACH debits
• A percentage of receivables
• Fixed repayment schedules

We review your repayment expectations in full before you sign anything.

Many programs allow early repayment or early payoff discounts. We’ll explain your specific terms before funding.

We support a broad range of small & mid-market businesses, including retail, restaurants, specialty services, health/wellness, logistics, automotive, and more.

We use secure data encryption and follow strict handling standards consistent with our Security Policy and Privacy Policy.

You can reach us anytime:

• Email: Contact form
• Phone: +1 (888) 397-8472
• Apply directly at our application page