Question 1

Are you a lender or a broker?

Accepted Answer

We are a commercial financing brokerage, not a lender. We help you understand options and connect your business with funding providers. Providers make the credit decision and set the final terms.

Question 2

Will checking my options hurt my credit?

Accepted Answer

No. The questionnaire and funding-review request do not pull credit. If a provider needs a credit check later, we will explain that and ask for separate permission before your file is submitted.

Question 3

How do you get paid?

Accepted Answer

No upfront fees. We're paid only if your financing closes: by the funding provider, by a success fee that comes out of the funding at closing, or both. You'll see the exact dollar amount in writing before you sign.

Question 4

What’s the difference between a factor rate and an APR?

Accepted Answer

A factor rate is a multiplier used to calculate the total amount repaid on a revenue-based advance. It is not an interest rate or APR. To compare offers fairly, look at the amount you receive, every fee, total repayment, payment frequency and expected payoff time.

Question 5

What is a personal guarantee? What is a UCC lien?

Accepted Answer

A personal guarantee can make an owner personally responsible for a business obligation. A UCC lien can give a provider a claim on business assets. Ask which people and assets are covered, and how the lien is released.

Question 6

Can I pay off early, and will I save money?

Accepted Answer

It depends on the agreement. Some products reduce future interest when you pay early. Others have fixed charges, minimum fees or a purchased amount that may not drop. Ask for the written payoff amount before you decide.

Question 7

I already have an advance or loan. Can I still qualify?

Accepted Answer

Possibly. Existing payments and liens affect the options a provider may consider. Share the current payment amount and frequency so we can help you compare the full cash-flow picture.

Question 8

How fast can I get funded?

Accepted Answer

It depends on the product and how complete your file is. Some providers can fund within days of a complete file, while SBA and bank-style loans can take weeks. We move quickly on complete files, but we will not promise a timeline we do not control.

Question 9

What documents do I need?

Accepted Answer

Most reviews start with the last three to four months of business bank statements, a driver’s license and a voided business check. For equipment, have the quote or invoice ready. A provider may ask for more based on the product and file.

Understand the structure.
Then weigh the commitment.

A financing conversation checklist

Financing details, made clearer.

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See what your business
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Understand the structure.Then weigh the commitment.