Help center
Frequently asked questions.
Will checking my rate affect my credit?+
No. We use a soft credit inquiry to show your offers. A hard inquiry only happens if you accept an offer and proceed.
How fast can I get funded?+
Most applicants get a decision within 24 hours. Agreements signed before 5:00pm ET on a business day can be funded the same day; otherwise funds arrive the next business day.
What are the fees?+
Some loans carry an origination fee of 1–4%, deducted from the funded amount. All fees are disclosed in your offer before you sign.
Can I pay off my loan early?+
Yes. There are no prepayment penalties on our term loans or lines of credit.
Do I need collateral?+
Most loans under $250,000 are unsecured but require a personal guarantee. Equipment loans are secured by the equipment.
Which industries do you work with?+
Most, including retail, healthcare, construction, hospitality, transportation and professional services. Some restricted industries are excluded.
Can I use the funds for personal expenses?+
No. All financing is strictly for business purposes.