Question 1

How fast can I actually get funded?

Accepted Answer

Same day to 48 hours on a revenue-based advance, 1–3 business days for working capital, 2–5 days for a line of credit, 7–21 days on real estate, and 45–90 days for SBA. The clock starts when your bank statements arrive — not when you submit the form. Get those over and most files have offers within one business day.

Question 2

Will pre-qualifying hurt my credit score?

Accepted Answer

No. Pre-qualification is a soft review with no impact on your score and no inquiry on your report. A hard pull happens only if you accept an offer and give written consent — and you'll know before it happens.

Question 3

What credit score do I need?

Accepted Answer

There's a program at almost every band. 500–579 opens revenue advances, factoring and some equipment. 580–639 adds working capital and starter lines. 640–699 brings term loans and real credit lines. 700+ unlocks SBA and bank-rate pricing. Below 500 we'd rather start with credit work than place you badly.

Question 4

Do you charge anything upfront?

Accepted Answer

No application fee and no upfront fees. We're compensated by the funding source when a deal closes. Real costs that do exist — origination or platform fees inside an offer, or third-party costs like appraisal on SBA and real estate — are disclosed on the term sheet before you sign anything.

Question 5

I already have a merchant cash advance. Can you still help?

Accepted Answer

Usually yes, and it's one of the most common calls we get. There are two paths: consolidate the positions into one longer-term facility with a lower total remittance, or add a second position. Consolidation is normally the right move if payments are choking your operating cash. Send your positions and balances and Travis will model both.

Question 6

What documents will you need?

Accepted Answer

For most fast programs: a one-page application, 3–6 months of business bank statements as PDFs, a voided check, and your driver's license. Larger or cheaper money adds a YTD Pandamp;L and balance sheet, one to two years of returns, and a debt schedule. SBA and real estate need a fuller package and we'll give you the exact checklist.

Question 7

Are you a direct lender or a broker?

Accepted Answer

A funding advisory and broker — deliberately. A bank has one credit box and one answer. We work a national network, so a decline in one place just moves your file to the next, and you end up with competing offers instead of a single take-it-or-leave-it.

Question 8

Do you fund businesses in my state?

Accepted Answer

All 50 states. We're based in Minneapolis and everything runs remotely — application, documents, signatures and funding. US-based business entities only.

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Funding programs

When your bank says no.
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Start with the three most people need.

Working Capital

Line of Credit

SBA 7(a) & 504

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