Most of our funding partners can provide decisions within 24 hours, and funding in as little as 1–3 business days once documents are complete. The exact timing depends on your business profile and the type of financing you apply for.

No — our prequalification process does not require a hard credit pull. We use the information you provide to match you with the best funding options from our partners. A hard inquiry may only happen later if you move forward with a specific offer.

Not at all. Many of our partners focus on your business revenue and cash flow rather than just your personal credit score. We work with a range of lenders so that even businesses with less-than-perfect credit can access funding.

Repayments depend on the type of financing. For example, Merchant Cash Advances are repaid as a small percentage of your daily or weekly sales, while term loans have fixed payment schedules. We’ll help you review the options so you understand exactly how repayment will fit into your cash flow.

A Merchant Cash Advance isn’t a loan — it’s an advance against your future sales. You receive a lump sum of working capital upfront, and repayment happens automatically as a percentage of your daily or weekly revenue. This means payments flex with your sales, making it easier to manage cash flow.

One of the biggest advantages of an MCA is speed. Once you apply and provide basic revenue documentation, many businesses are approved and funded within 24–48 hours.

No. Unlike traditional loans, approval for an MCA is based primarily on your business’s revenue and sales consistency. That means even if your credit score isn’t ideal, you may still qualify.

You can use the advance for almost any business expense, including:

• Covering payroll

• Purchasing inventory

• Handling unexpected expenses

• Managing seasonal dips in cash flow

• Investing in short-term growth opportunities

Repayments are tied directly to your sales. A fixed percentage of your daily or weekly transactions goes toward repaying the advance. When sales are high, you pay more; when sales slow down, you pay less. This flexibility helps reduce pressure during slower months.

No. MCAs are unsecured, which means you don’t need to put up business or personal assets to qualify.

A loan typically has fixed monthly payments and requires strong credit history and collateral. An MCA, on the other hand, is based on your future revenue, has flexible repayment tied to sales, and can fund much faster — making it ideal for short-term needs.

Like any funding product, an MCA may not be right for everyone. The cost of capital (factor rate) is often higher than a traditional loan, so it’s best suited for short-term needs where speed and flexibility matter most. If you’re planning a long-term investment, another product (like a Business Term Loan) may be a better fit.

Unlike traditional loans that use an interest rate, Merchant Cash Advances (MCAs) use a factor rate to determine the total payback amount.

Here’s a simple example:

• You’re approved for $50,000 with a factor rate of 1.3

• Multiply the advance by the factor rate: $50,000 × 1.3 = $65,000

• This means you’ll repay $65,000 total, over time, through a percentage of your daily or weekly sales.

Repayments automatically adjust with your revenue — so if sales are strong, you pay it off faster; if sales dip, it stretches out a little longer.

Almost anything essential to your business: vehicles, heavy machinery, office furniture, computers, restaurant equipment, salon chairs, medical devices, and more.

Many applications are reviewed and approved within a few business days, so you can secure equipment without long delays.

Not always. Some financing options require a small down payment, while others offer 100% financing.

Terms vary, but they typically range from 1–7 years depending on the type of equipment and your business profile.

Item descriptionIt depends. Financing gives you ownership at the end of the term, while leasing may allow lower payments and flexibility if you plan to upgrade frequently.

Yes, in many cases. Section 179 of the tax code allows you to deduct equipment purchases — but always confirm with your accountant or tax professional.

Approval isn’t based on credit alone. Lenders also look at your business’s revenue, time in business, and the type of equipment being financed. Even if your credit isn’t perfect, you may still qualify.

Yes, some lenders work with startups, especially if the equipment has strong resale value (like trucks or machinery). Startups may need to provide a down payment or personal guarantee.

If you finance, you own the equipment and are responsible for repairs. If you lease, you may have options to upgrade or return the equipment at the end of the term.

Reputable lenders will be upfront about fees. Common ones may include origination fees, documentation fees, or late payment charges. Always review terms carefully before signing.

Many lenders allow early payoff, though some may have prepayment penalties. It’s always best to ask upfront if early repayment is important to you.

Loan amounts vary, but typically range from $25,000 up to $500,000+ depending on your revenue, credit, and time in business.

Most term loans offer repayment schedules between 1–10 years, giving you flexibility to spread costs over time.

Rates vary by lender, but they are generally lower than short-term products like MCAs. Factors include your credit, financial history, and the size/length of the loan.

Some term loans are unsecured, while larger amounts may require collateral or a personal guarantee.

An MCA is faster and easier to qualify for, but comes with higher costs and shorter repayment. A term loan requires stronger credit and cash flow, but usually offers larger funding, lower rates, and fixed monthly payments.

Some lenders allow early payoff without penalties, while others may charge a fee. Always check your agreement before committing.

Most lenders do a soft credit pull during pre-qualification, which does not affect your credit. A hard credit pull may only happen once you move forward with a specific funding option.ion

It depends on your goals, cash flow, and how fast you need capital. For example, MCAs are best for speed, term loans for long-term stability, and equipment financing for essential purchases. Our application process helps match you with the right solution.

A factor rate (commonly used in MCAs) is expressed as a multiplier (like 1.3), not a percentage. For example, a $10,000 advance with a 1.3 factor rate means you’ll repay $13,000. A term loan uses an interest rate (like 12% APR), which accrues over time.

Many repayment structures — especially MCAs — adjust based on your sales volume. If sales dip, your payments may be lower, giving you breathing room.

Yes, some businesses combine products (like an MCA for short-term cash flow plus a term loan for long-term growth). It depends on your revenue and ability to handle repayments.

It varies by product. MCAs can fund in 24–48 hours, equipment financing in a few days, and term loans often in 1–2 weeks depending on the loan size and documentation required.

Some lenders allow you to pay off early without penalties, while others may charge fees. Always review your agreement before signing.