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We work with businesses across all industries and stages, from startups to established enterprises. Whether you're in manufacturing, retail, healthcare, technology, hospitality, professional services, or any other sector, if you have a solid business model and growth potential, we want to talk. We've successfully partnered with e-commerce brands, restaurants, construction companies, medical practices, tech startups, and many more. Our flexible approach allows us to tailor solutions to your specific industry needs and business model.
Our process is designed for speed without sacrificing quality decisions. Prequalification takes just minutes and uses a soft credit pull with no impact on your score. Once you submit a full application, most businesses receive a decision within 24 to 48 hours. After approval, funds are typically deposited into your business bank account within 2 to 5 business days. For urgent situations like bridge loans, we can sometimes move even faster. The exact timeline depends on how quickly you provide required documentation and the complexity of your request.
Requirements vary by loan product, but general minimums include: at least 6 months in business (12 months for some products), minimum annual revenue of $100,000 (varies by product), personal credit score of 550 or higher (varies by product), and an active business bank account. Startups and early-stage companies have different requirements based on market opportunity, founder experience, and business potential rather than historical financials. We evaluate each application individually and consider many factors beyond just the minimums.
The prequalification process uses a soft credit inquiry that does not impact your credit score in any way. You can check your eligibility and see potential terms without any risk. Only when you proceed with a full application and provide authorization do we perform a hard credit inquiry, which may have a minor temporary impact on your score. We're transparent about when hard pulls occur and always get your permission first.
Required documents vary by loan type and amount, but typically include: 3 to 6 months of business bank statements, 1 to 2 years of business tax returns (if available), current profit and loss statement, business formation documents (Articles of Organization or Incorporation), government-issued ID, and a brief explanation of how you'll use the funds. Startups may need additional items like business plans, financial projections, and founder resumes. We provide a clear checklist once you begin the application process.
We understand that credit challenges happen and that many great businesses are run by people with less-than-perfect credit. Unlike traditional banks that rely heavily on credit scores, we look at the complete picture including cash flow, business performance, industry trends, and your plan for using capital. We've helped many clients with credit scores below 600 secure funding. Additionally, our Business Reconstruction Services can help you improve your credit profile over time, opening doors to even better financing options in the future.
Rates and fees vary based on several factors including loan type, amount, term length, your creditworthiness, time in business, and industry. We believe in complete transparency, so you'll receive a detailed proposal showing the interest rate, any origination fees, total cost of capital, and complete payment schedule before you commit to anything. There are no hidden fees or surprise charges. Rates are competitive with or better than alternative lenders and significantly better than merchant cash advances or credit cards.
Most of our loan products allow early payoff without penalties, giving you the flexibility to save on interest if your business performs better than expected or you secure other funding. Specific prepayment terms are clearly outlined in your loan agreement before you sign. We believe in aligning our success with yours, which means we're happy when you're able to pay off loans early because it typically means your business is thriving.
Payment structures vary by product and can be customized to match your business cash flow. Options include daily ACH payments (common for working capital loans), weekly payments, bi-weekly payments, or traditional monthly payments. For businesses with seasonal fluctuations, we can structure payments with adjustments for slow and busy periods. Revenue-based financing options scale payments as a percentage of monthly revenue, so you pay less during slower months and more during growth periods. We work with you to find a payment structure that maintains healthy cash flow.
Credit optimization is a process that typically takes 3 to 6 months for complete results, though some improvements can be seen in as little as 30 to 60 days, especially with authorized user tradelines. The exact timeline depends on the number and types of negative items on your reports and how credit bureaus respond to disputes. Most clients see credit score improvements of 30 to 100+ points. While we cannot guarantee specific results (as credit bureaus make final determinations), our systematic approach has helped hundreds of businesses and individuals significantly improve their credit profiles and access better financing.
You can absolutely choose individual services based on your specific needs and goals. Many clients only need credit optimization, while others only require business formation or tax advisory. We offer packaged options that provide better value when you need multiple services, but we're happy to customize a plan with only what you need. During your free initial assessment, we'll review your situation and recommend the services that will have the biggest impact on your funding eligibility and business success.
Absolutely. Previous loan denials often result from fixable issues like credit problems, insufficient documentation, improper business structure, or weak financial presentation. Our reconstruction services specifically address these common denial reasons. We help you understand why you were denied, fix the underlying issues, and reapply with a much stronger profile. Many of our clients were initially declined for financing but successfully secured funding after completing our reconstruction services. The key is identifying and addressing the specific obstacles that led to denial.