FAQ
Common questions about the process, fees, and what to expect.
Will this hurt my credit?
It depends on the product. Some options involve only a soft pull (no impact). Others require a hard pull, which can affect your score. I'll explain what's involved before any submission.
What docs do you need?
Typical: bank statements (3–6 months), P&L or tax returns if applicable, business registration, ID. Exact requirements depend on the product. I'll tell you what's needed before you submit.
How fast can I get funded?
MCA and some personal loans can fund in 24–72 hours with complete docs. Term loans take longer (weeks). I'll set expectations upfront based on your situation.
What if I don't qualify?
I'll let you know honestly. If there's a path later (e.g., after revenue improves), I can suggest next steps. I won't submit you to lenders that won't approve you.
What's the difference between MCA and a loan?
MCA (Merchant Cash Advance) is a purchase of future receivables — you repay a percentage of daily sales. A term loan has fixed payments over a set period. Each has pros and cons; I help you understand which fits.
How do you get paid?
A flat advisory fee (3% for MCA, 2.5% for personal loans). No hidden charges. The fee is confirmed before you submit. I'm not paid by lenders to push specific products.
Do you submit my application everywhere?
No. I curate options that fit your situation and get your consent before any submission. I don't blast your info to dozens of lenders.
Still have questions? Apply and I'll respond with clarity.