Questions owners ask us.

No. There is no credit pull at intake. Credit is only checked once you have a specific offer in front of you and you authorize us, in writing, to proceed with it. On most term and equipment programs that initial check is a soft pull.

About eight minutes and your basic business details: legal name, EIN, ownership, address. The last three months of business bank statements are optional at intake but typically shave a week off the time to first offer.

Lenders and program administrators require it to verify owner identity on any commercial loan with a personal guarantee, which is nearly all of them. It is encrypted in transit, stored with your application file, and not shared except with the lender or program you approve. Collecting it up front means you don't redo paperwork at the term-sheet stage.

Yes. Equipment financing and equity-backed facilities lean on the asset rather than your FICO, and revenue-weighted term programs exist for strong businesses with bruised credit. Applying costs nothing and doesn't touch your score, so the downside of finding out is zero.

No. A declination elsewhere isn't visible to us or held against you. It's often useful information: tell your advisor where and why, and they'll route around the issue or tell you what to fix first.

Nothing, at any stage. Application, packaging, eligibility checks, and offer comparison are free to the owner. We're paid by the lender when a transaction closes, and only then. If anyone in this industry asks you for an upfront fee, walk away.

Fair question. Our compensation is comparable across lenders on a given product, so we don't earn more by placing you somewhere worse. And our repeat rate is the business model: about 94% of funded clients come back, which doesn't happen if round one was a bad deal.

Loans have real costs: origination fees, SBA guaranty fees, documentation fees, sometimes appraisal costs. None are hidden by the time you see a term sheet from us. We itemize every fee and fold them into the total-cost number so offers compare honestly.

Term loans and equipment financing: two to seven business days is routine. SBA and government partnership programs: three to six weeks, because an agency or program administrator reviews the file alongside the lender. Your advisor gives you a real timeline on the first call, not a marketing one.

Document turnaround, almost always. Statements arriving one month at a time, mismatched legal names between the application and the bank account, and undisclosed existing debt are the big three. The how it works page has the full list.

Yes, and you usually should. Pre-approval is good for about 60 days, and walking into a negotiation with financing arranged is worth real money on price.

Almost always, yes — that's standard across small business lending, including every SBA loan for owners of 20% or more. A guarantee is not the same thing as pledging your house; most of our programs take no specific personal assets.

Term loans under $500K usually take a blanket UCC filing on business assets and nothing specific. Equipment loans take the equipment. Equity-backed facilities take the property or asset you're borrowing against. SBA takes collateral "to the extent available" but a shortfall doesn't disqualify the file.

We do not write consumer loans against primary residences. On rare large SBA files, a lien on personal real estate with sufficient equity can be required by the agency's collateral rules; if that applies to your file, your advisor will flag it before you've committed to anything.

No. We're a funding advisory and origination desk. Capital comes through partner banks, SBA Preferred Lenders, equipment finance companies, and state program administrators. The independence is the point: we work the file for you, not for any one balance sheet.

One advisor, assigned when your application arrives, supported by our packaging and program teams. You get their direct line and email. There is no call center. The about page introduces the team.

It goes into your application file and our CRM, and is shared only with the lender or program you choose to proceed with. We don't sell it. Details in the privacy policy.