FAQ
Straight answers, before you pick up the phone.
The questions owners ask us most, answered without the hedging you get from marketplaces that make money on your application either way.
- There are five real exits: consolidation into one lower payment, a payoff term loan, negotiated reconciliation with the funder, refinance into a revenue-based loan with weekly rather than daily debits, or restructuring across all positions. Which one fits depends on how many positions you hold, your deposits and your credit range.
- One new facility pays off multiple advances and replaces the stacked daily debits with a single, smaller, less frequent payment. It usually extends the term, which lowers the payment even if the total cost is similar — cash flow is the point.
- Yes. Request reconciliation in writing if your contract allows it, or refinance the position. Simply blocking the debit is a default and typically triggers a confession of judgment or UCC action.
- Revenue-based term loans and lines fund in 24 to 72 hours. Consolidations take 3 to 10 business days. SBA Express runs two to four weeks and standard 7(a) 45 to 90 days.
- Yes. Low-doc and no-doc programs underwrite three to six months of business bank statements instead. Expect a higher rate than a full-documentation facility.
- Yes, though a new LLC with no deposit history is underwritten on the owner's personal credit rather than the entity. That is the business credit and 0% funding path.
- 500+ for revenue-based products, 600+ for most lines of credit, 680+ for SBA and 0% business credit rounds. Below 600 we work asset-backed and receivables-backed instead.
- The consultation does not. Hard inquiries only happen when you approve a submission to a named lender, and we submit selectively rather than blasting a marketplace.
- Nothing up front. We are paid by the funding source at close and any cost is disclosed in writing before you sign.
- For-profit U.S. operation, SBA size standards, 680+ FICO from each 20% owner, debt service coverage of 1.15 to 1.25 or better, roughly 10% injection on acquisitions, and no federal debt delinquency.
- No hard credit pullConsultations use a soft review only.
- No upfront feesWe're paid by lenders on funded deals.
- One advisorNot a call center or a lead marketplace.
- Your data stays hereWe never sell or resell your information.
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- No hard credit pullConsultations use a soft review only.
- No upfront feesWe're paid by lenders on funded deals.
- One advisorNot a call center or a lead marketplace.
- Your data stays hereWe never sell or resell your information.
Still not sure which path fits your business?
Twenty minutes on the phone will settle it. No cost, no credit impact.
Free consultation · No hard credit pull · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST