Frequently asked questions

We're a business funding broker. We work with a network of lending partners, and the lender makes every funding decision.

There are no hard credit pulls to start. You pull your own credit report through our IdentityIQ link and share it with us.

Applying and talking with us is free. Any lender costs are shown in the offer, and we'll help you read them before you decide.

Often recent business bank statements, a basic application, ID, and sometimes tax returns or financials. Our A to Z Funding Prep Checklist walks through it.

It depends on the option and the lender. We'll give you honest expectations once we know your situation.

Yes. We work with owners nationwide, in most industries.

There are paths for newer businesses. Some depend on personal credit. If credit is the first step, we'll say so and point you to resources.

Never. You decide whether to move forward. No pressure.

Start with what the money is for and how much you need. Without sales history, lenders usually look at the owner's personal credit, the plan and any equipment or collateral. Paths to explore include owner-based credit lines, equipment financing and SBA microloans. Our startup funding page walks through each one.

Yes, many owners use options beyond the bank, such as business lines of credit, working capital, equipment financing and invoice factoring, offered by alternative lenders. Each works differently, so compare offers by total payback. See funding paths beyond the bank.

It depends on the option and the lender. Working capital and real estate investment loans can move fast, with investment property approvals possible in as little as 24 to 48 hours. SBA loans usually take longer. We'll give you honest expectations once we know your situation.

My team and I review what you shared and reach out, you share a few documents, and we shop your file with lending partners and walk you through any offers. You decide whether to move forward.