FAQ's

Complete our secure online application. It takes about 10 minutes. You’ll tell us about your business and funding needs and upload recent bank statements and ID. A funding specialist then reviews your file and contacts you.

Many applications receive a decision within one to two business days once all documents are received. Funding timelines depend on the loan type — unsecured working capital can move quickly, while secured and real-estate loans need valuations and take longer.

No. Applying lets us review your options. You receive the amount, rate, term and all costs in writing and decide whether to proceed.

Private lenders look at the whole picture: business revenue and cash flow, time in business, the purpose of the funds, any collateral offered, and credit history. Applicants who have been declined by a bank may still have options.

Yes, you can apply. Credit is one factor among several. Strong revenue, collateral or a clear repayment plan can offset a lower score, although it may affect the amount, rate or term offered.

No. Our financing is for business and commercial purposes only.

Private funding is capital provided by private investors and funds rather than a traditional bank. Decisions are typically based on the business’s performance and, where relevant, the value of the asset offered as security — which often means more flexibility and faster decisions than conventional lending.

A secured loan is backed by collateral such as property or equipment, which usually allows larger amounts and longer terms. An unsecured loan is approved mainly on revenue and credit, with no specific asset pledged, and typically has shorter terms.

Working capital, term loans, small business loans, secured and unsecured business loans. Not sure which fits? Choose “Not sure – please advise” on the application.

Rates and terms depend on your business profile, the loan type, the term, and any collateral. You can estimate payments with our loan calculators; your actual offer is confirmed in writing.

Prepayment terms vary by program and are stated clearly in your loan agreement before you sign. Ask your specialist if early repayment is important to you.

Usually the last 6 months of business bank statements, photo ID for owners with 20% or more, recent business tax returns, and year-to-date financial statements. Secured loans also need details of the collateral.

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