Business Owner Questions
Everything You've Wanted to Ask
Funding decisions can happen in as little as 24 hours after we receive your complete application and statements. In some cases, same-day funding is possible depending on the type of funding and how quickly we can verify your documents. We'll give you a realistic timeline upfront — we don't make promises we can't keep.
Not necessarily. We look at the overall health of your business — revenue, cash flow, time in business — not just your credit score. Business owners with less-than-perfect credit are considered. We evaluate each application holistically because a credit score alone doesn't tell the full story of a business.
We offer a range of business funding solutions, including Merchant Cash Advances (MCAs), low-factor short-term funding, and credit lines. The right option depends on your business type, revenue, and how you plan to use the funds. We'll help you choose what truly fits your situation — not steer you toward the most expensive option.
We explain every cost in plain English before you sign anything. You'll know the total amount you'll repay, the factor rate or interest rate, any origination fees, and exactly how payments are structured. We also offer a free guide that explains how to read and compare funding offers so you can evaluate any offer — from us or anyone else.
Yes — you can pay off your funding early. We typically offer discounted payoffs at 30, 45, 60, and 90-day intervals, allowing you to reduce your overall cost the sooner you pay it down.
Typically: 3–6 months of business bank statements and a basic application with your business details. Some products may require additional documents depending on the funding amount. We'll tell you exactly what's needed up front — no back-and-forth document requests after you've already invested time.
It makes qualifying harder, but it doesn't automatically disqualify you. We'll review your current business situation honestly and tell you whether funding is a realistic option. If it's not the right time, we'd rather tell you that than push you into a deal that doesn't work for your business.
No — we do not perform a hard credit pull. Your credit score will not be affected.
ISO Partner Questions
What ISOs Ask Us
Backdooring is when a funder takes a client you introduced and contacts them directly — cutting you out of the relationship and any future commissions. It's unfortunately common in this industry. We don't do it. When you send us a deal, that client is your client. We will not contact them directly, solicit future deals from them without you, or restructure agreements to eliminate your commission.
Commission terms are set when a deal is underwritten and approved — not renegotiated after you've done all the work. As soon as your merchant receives funds, you're paid in 7 days. We don't hold commissions, float payments, or introduce delays after the merchant has received their funds. If something changes during the process, we communicate that with you immediately rather than presenting a different number at the finish line.
We work with a wide range of industries and offer multiple funding solutions, including MCAs, short-term low-rate options, and in-house credit lines. Reach out for our current guidelines. You'll receive clear, honest feedback on any submission within 24 hours — including whether it fits our current funding appetite. If it's not a fit, we'll let you know quickly so you can place the deal elsewhere.
1 hour is our standard turnaround for a clear yes or no. We understand that your clients are counting on you for timely answers, and we take that responsibility seriously. We won't leave you guessing where a deal stands.
Yes. When a client you introduced comes back for renewal or additional funding, your relationship is still recognized. We don't treat renewal deals as a reset that eliminates your commission. The specifics of renewal commission structure get discussed and agreed upon when you onboard as a partner.
Fill out the partner application and we'll follow up within one business day to schedule an intro call. From there, we discuss how you work, what kinds of deals you see, and how our programs fit your book. No lengthy contracts upfront — just a conversation to make sure we're a good fit before either side commits.
Still Have Questions?
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