We offer funding between $5,001 and $2,000,000

We only perform a soft credit inquiry, which does not impact your credit score.

Credit is an important factor that both traditional lenders and alternative lenders look at when trying to qualify a business. However, it’s not the only determining factor. Alternative lenders look at revenue, time in business, accounts receivables, and business credit history.

You must be a U.S. based business with:

• 1 year minimum time in business
• At least $7,000 in monthly revenue
• 500+ credit score

We provide financing to more than 700 industries, including higher-risk industries such as trucking and construction. We do not fund adult entertainment, gambling, firearms, or illicit substances.

You can pay off your full account balance at any time. In some instances there may be a discount for early payment in full, though certain restrictions may apply. Review your customer agreement or speak directly with your Account Executive for details on your prepayment options.

You will typically be eligible for a renewal once you have paid about half of your original account balance, subject to satisfactory payment performance. The exact paydown required for you to be eligible for a renewal will be communicated to you by your Account Executive prior to funding.

A business line of credit gives you the ability to access funding when you want, up to your credit limit. And unlike a traditional loan or merchant cash advance that is one-time, it is “revolving credit.” This means that as you repay back your outstanding funds, your available credit replenishes, and you can draw additional funds again as you like.

You have the freedom to use the funds in your business—for taxes, payroll, inventory, marketing and advertising, business expansion and so much more—almost any business need. You’re the boss, so you make the call.

A merchant cash advance (MCA) isn’t really a loan, but rather a cash advance based upon the credit card sales deposited in a business’ merchant account. MCA providers evaluate risk and weight credit criteria differently than a banker or other lenders. They look at daily credit card receipts to determine if a business can pay back the advance in a timely manner.

In invoice factoring, the lender buys unpaid invoices from you and gives you most of the invoice amount upfront. The lender holds back a small percentage of the invoice until the borrower’s customer pays off the invoice, by making payments directly to the factoring company. Invoice factoring allows you to receive the money that you need for your business without waiting for your customers to pay.

Personal Credit scores typically range from 300 to 850. Within that range, scores can usually be placed into one of five categories: poor, fair, good, very good and excellent.

Most alternative lenders require businesses to provide information regarding time in business, revenue, business bank account, and identification (i.e. driver’s license or passport). While this isn’t a comprehensive list, they’re the most common requirements when applying for working capital.