Frequently Asked Questions

 To qualify, your business must meet the following:

• Minimum 500 FICO score
• At least $5,000 to $6,000 in monthly revenue
• 4 to 6 income deposits per month (varies by industry)
• 6+ months in business (no credit card processing), or
  3+ months (if using credit card processing)
• 67% ownership of the business
• No more than 7 negative bank days per month 

• Loan amounts: $2,500 to $1,000,000
• Payment method: ACH
• Term lengths: 3 to 18 months
   

We fund:

• Home-based businesses
• Sole proprietorships (must be in business at least 1 year with business bank statements)
• U.S.-based businesses only
• U.S. Citizens or Permanent Residents (up to $50K for permanent residents)

We do not fund international businesses.

• Only a soft credit pull is required
• Businesses with tax liens over $50K must be on a payment plan
• We do not require a Confession of Judgment (COJ)
   

• We can fund up to 4 open positions
• Your business must net at least 50% from the funding
   

We prefer—but are not limited to—these industries:

• Restaurants & Grocery Stores 
• Medical (Doctors, Dentists, Vets, etc.)
• Hospitality (Hotels/Motels)
• Spas, Salons, and Personal Services
• Wholesale & Manufacturing
• Trade Contractors (Plumbing, Roofing, HVAC, etc.)
• Auto Repair Shops
• Business & Financial Consulting
• Retail Businesses

1. Submission:

• Application form
• 6 months of business bank statements
  or 3 months of bank statements + 3 months of credit card processing statements.

2. Underwriting & Offers:

• Offers reviewed and sent quickly

3. Contracting:

• Contract is sent via DocuSign

4. Closing:

• Bank Verification
• Additional documents may be requested based on funding size

5. Funding:

• Email confirmation is sent once funds are disbursed

Yes, credit card splits are available in certain cases.

We’re headquartered in Medford, OR, with offices in:

• Phoenix, AZ
• New York, NY
  Plus, we have remote employees throughout the U.S. and Canada.
   

Since 2012, we've delivered over $8 billion in financing to more than 40,000 small businesses nation wide.