For short-term loans and lines of credit, most businesses get funded within 24 hours of approval. Long-term loans take 3 to 6 weeks due to extra underwriting. Once you apply, your funding manager will give you a clear timeline.

Most businesses qualify if they have been operating for at least 6 months and bring in $20,000 or more per month in revenue. You'll need to share 4 to 6 months of business bank statements. No collateral required.

Checking your eligibility does not impact your credit score. We only run a soft pull to see what you qualify for. A hard pull only happens if you move forward with a specific loan offer, and we'll let you know before that happens.

Yes. We fund businesses across the United States and Canada. Whether you're in Toronto, Vancouver, Miami, or Dallas, we can work with you. The process and requirements are the same in both countries.

A short-term loan gives you a lump sum upfront that you repay on a fixed schedule. A line of credit lets you draw funds as needed and only pay interest on what you use. If you have ongoing cash flow needs, a line of credit is usually the better fit. If you need a specific amount for a specific purpose, a short-term loan makes more sense.

Short-term loans go from $20K to $1M. Lines of credit go from $50K to $250K. Long-term loans go from $50K to $3M. The amount you qualify for depends on your monthly revenue, time in business, and business profile.

No. We do not take equity in your business and most of our programs do not require collateral. You keep full ownership and control. We're a lender, not an investor.

Banks have strict requirements that many solid businesses don't meet. We look at your actual business performance, not just your credit score or collateral. Many of our clients came to us after a bank said no, and we got them funded the next day.