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FAQ

Thirty questions. Thirty straight answers.

No hedging and no sales language. If the honest answer is unflattering, it's still the answer we give.

30Questions answered
5Topic areas
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Getting started

Getting started

Complete the four-minute pre-qualification, or call 612-927-2055 and we'll take it verbally. Either way it's a soft review with no credit impact and no obligation.
From a complete file: same day to 48 hours for a revenue advance, 1–3 days for working capital, 2–5 days for a line of credit, 7–21 days for real estate, and 45–90 days for SBA. The clock starts when your bank statements arrive.
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 financials and tax returns.
None. No application fee, no upfront fee, no cost to see offers. We're compensated by the funding source when a deal closes.
No. There's no obligation at any stage. Many people pre-qualify to understand their options and come back months later.
Qualifying

Qualifying

There's a program at nearly 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.
Three months for revenue advances and factoring, six months for working capital, lines and equipment, twelve months for term loans, and two years for SBA. Real estate is the exception — it's underwritten on the deal, so a new LLC can close a flip.
Most programs want $10,000+ per month in business bank deposits, consistently, across three or more months. $15K–$20K opens materially better options.
Often, yes. Around six in ten of the files we place have something imperfect on them. Revenue advances go to 500, factoring is underwritten on your customers, and equipment is secured by the asset. Open bankruptcy or an unresolved federal tax lien has to be addressed first.
From three months in business on several programs. Before that, the realistic doors are unsecured credit lines built on personal credit and equipment financing against a vendor quote. We won't pretend otherwise.
Common, and usually not the end. A decline is one lender's credit box, not a verdict. What matters is why — thin file, NSFs, an existing position, or an industry that funder avoids. Tell us the reason and we'll tell you whether it's fixable.
Costs and terms

Costs and terms

SBA runs prime + 2.75% to 4.75%. Term loans 8–30% APR. Lines of credit 8–24% on drawn funds. Equipment 6–25% APR. Factoring 1–4% per 30 days. Revenue advances price on a 1.15–1.49 factor rate. Anyone quoting firm numbers before reading your statements is guessing.
A flat multiplier rather than an interest rate. At 1.30 on $100,000 you repay $130,000 total, regardless of speed. Over nine months that's roughly a 60%+ effective APR. Always convert before comparing it to a term loan — we do that on every offer we present.
Not from us. Inside a funding offer there may be an origination or platform fee, typically 1–5%, and SBA and real estate carry normal third-party costs like appraisal and title. All of it appears on the term sheet before you sign.
Term loans and SBA generally have no prepayment penalty, so early payoff genuinely saves interest. Revenue advances are a fixed total obligation — early payoff saves nothing unless the contract has a discount clause. We negotiate for that language and flag its absence.
On most small-business funding, yes. Exceptions where a PG can sometimes be avoided include factoring, some equipment leases and certain real estate structures.
Most of what we place is unsecured. A UCC-1 filing on general business assets is standard and is not a lien on your home. SBA may require collateral if you have it, but a shortfall alone is not a decline.
Existing debt

Existing debt

Usually. Two paths: consolidate the positions into one longer-term facility with a lower combined remittance, or add a second position. Consolidation is normally the better move if payments are choking operating cash. Send your positions and we'll model both.
Taking a new advance while others are outstanding. Each takes its own slice of daily deposits, and the combined holdback can exceed what the business actually generates. It's the most common way a fundable business becomes unfundable.
Frequently, yes. Replacing three daily remittances with one longer-term payment often frees meaningful working capital immediately. It depends on your deposits, the remaining balances and how much has been paid down.
Always. They appear in your bank statements, so discovering them later just resets underwriting and costs you days. Disclosure up front speeds everything up.
Working with us

Working with us

No. We're a funding advisory and broker. A direct lender has one credit box and one answer; we work a network, so a decline in one place moves your file to the next and you compare competing offers.
No. We don't sell applications and we don't resell data to lead networks. That's why you won't get forty calls tomorrow — which is what typically happens after applying on a marketplace site.
Travis Wright, personally. Every submission. That's the deliberate constraint that keeps this an advisory rather than a call centre.
All 50. The process runs entirely remotely, wherever your business is. US-based business entities only — we cannot fund businesses outside the United States.
Cannabis and CBD, firearms, adult, cryptocurrency trading, gambling, multi-level marketing, debt collection, credit repair agencies and most non-profits. These sit outside nearly every funder's box.
Yes. Competitive commissions on funded deals with same-week payouts, built for accountants, bookkeepers, business brokers, equipment dealers, insurance agents, realtors and agencies.
Still stuck? Fox answers funding questions any hour — or call612-927-2055 and speak to Travis directly.
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Ready when you are

When your bank says no. We find who says yes.

A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.

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