Who’s typically a fit?

Most of the businesses we work with have been operating for at least six months, bring in $15,000 or more in monthly revenue, and have a personal credit score above 500.

That said, every situation is different. If you’re close, it’s still worth a conversation.

How specific is the use of funds?

That depends on the structure. In most cases, you can use the funds for whatever the business needs—whether that’s timing, growth, expenses, or something unexpected.

Certain options are more specific—like equipment or real estate, which usually need to be tied to a purchase. But if flexibility matters, we’ll point you in the right direction.

What if I already have something in place?

That’s common. In many cases, what we help arrange is meant to work alongside existing financing. If you’ve already got a line or a loan, we’ll look at whether this can fill a gap, smooth timing, or support something your current setup doesn’t cover.

How long does the process usually take?

Timelines vary depending on the structure and documentation. In most cases, once materials are in and terms are agreed to, closing can be completed from one to three business days.