Frequently Asked Questions

If you take a loan through one of our lending partners—institutions that report to the business credit bureaus—timely payments can strengthen your business credit profile. Over time, this may improve your ability to secure more favorable financing terms.

Our partners report to three of the major business credit bureaus—Experian, Equifax, and Paynet—so future lenders may view your positive repayment history when evaluating applications.

Our process requires little paperwork. Before you begin the application, you should have:

• Your Business Tax ID (EIN)
• Your Social Security number
• Estimated annual gross revenue
• Average bank balance
• The last three months of business bank statements*

*Certain lenders may request additional documents during underwriting.

• 1 year in business
• $100,000+ in annual business revenue
• Personal credit score of 625+

In rare cases, our partners may fund applicants with scores as low as 550, depending on other factors.

While each business is unique, our lending network most often serves:

• Businesses with 3+ years of operating history
• Annual revenue of $300,000 or more
• Owners with FICO scores above 650
• Industries across the spectrum (700+), with the exception of crypto, gambling, cannabis, and other restricted sectors

Through our capital network, we facilitate introductions to lenders offering: