Question 1

What are the minimum requirements to qualify for funding?

Accepted Answer

You need to be in business for at least 6 months, generate a minimum of $10,000 in monthly revenue, and provide 6 months of business bank statements. We serve businesses in both the U.S. and Canada.

Question 2

Do I need good credit to qualify?

Accepted Answer

No. We evaluate your business based on revenue and cash flow performance, not just your credit score. Business owners with less-than-perfect credit are welcome to apply.

Question 3

Can I apply if my business is incorporated in Canada?

Accepted Answer

Yes. We fund businesses registered federally or provincially across Canada, including Quebec, Ontario, British Columbia, Alberta, and all other provinces and territories.

Question 4

How long does the application take?

Accepted Answer

Our online application takes less than 10 minutes to complete. Once submitted, a funding advisor will review your file and respond within a few business hours.

Question 5

What documents do I need to apply?

Accepted Answer

Typically, you will need 6 months of business bank statements, a government-issued ID, and basic business information. Additional documents may be requested depending on the funding product.

Question 6

Is there a hard credit pull when I apply?

Accepted Answer

No. Our initial review uses a soft credit inquiry, which does not affect your credit score.

Question 7

How quickly can I receive funds?

Accepted Answer

Once approved and all documents are signed, funds are typically deposited into your business bank account within 24 hours.

Question 8

How much can I borrow?

Accepted Answer

Funding amounts range from $10,000 to over $500,000 depending on your revenue, time in business, and the product you qualify for.

Question 9

How does repayment work?

Accepted Answer

Repayment terms vary by product. Working capital loans and credit card splits are repaid through daily or weekly automatic payments. Lines of credit are revolving — you draw and repay as needed.

Frequently Asked Questions

Eligibility & Requirements

The Application Process

Funding & Repayment

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