Business Capital
Capital is a tool. Sometimes the answer is don't.
We source working capital through vetted funding partners and quote you the total cost in dollars before anything is signed. When the numbers do not work, we say so — that is most of the value.
How it works
Pre-qualification first, paperwork later.
You should know the shape of the deal before anyone runs your credit or asks for six months of bank statements.
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Three numbers to start
Monthly revenue or card volume, time in business, and industry. That is enough for an indicative range — no hard credit pull, no effect on your score.
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What it would actually cost
Not a factor rate in isolation. Total dollars repaid, the payment amount, the frequency, and the term — the numbers you need to work out whether the use of funds covers it.
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Partners compared
We take the file to more than one funder and bring back what each offers, rather than routing you to whoever pays us best.
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A decision, either way
If the return on the use of funds does not clear the cost of the capital, we will tell you and we will tell you why. Declining to place a deal costs us the commission; placing a bad one costs you more.
Good reasons
When capital tends to make sense
- Inventory ahead of a season you can forecast
- Equipment that expands capacity you are already turning away
- Bridging a receivable gap on work already contracted
- A location or hire with a payback period you can name
- Consolidating more expensive existing positions
Bad reasons
When we will push back
- Covering a shortfall with no plan for the one after it
- Stacking a third or fourth position on top of existing advances
- Funding marketing spend with no measured return yet
- A use of funds you cannot express as a payback period
- Anything that only works if next month is your best ever
On cost: revenue-based financing and merchant cash advances are expensive relative to bank debt. That is the trade for speed and for approval when a bank says no. We will always tell you if you look bankable, because if you are, you should go to a bank first. Anyone who does not tell you that is not on your side of the table.
Typical profile
What funders generally look for
Every funder sets its own criteria and they change. As a rough guide, most programs we work with want to see a business that has been operating for at least several months with consistent monthly deposits, and they weigh cash-flow consistency far more heavily than credit score.
Industry matters too — some funders will not touch certain verticals, while others specialize in exactly those. Part of what we do is knowing which door to knock on so you are not collecting declines.
No guarantees, and we will not pretend otherwise. Approval, amount, rate, and term are decided by the funder based on your business. Nothing here is a commitment to fund, and a pre-qualification is an indication, not an offer.
No hard credit pull
Find out where you stand.
Three numbers and a few minutes. You will get a realistic range, the true cost of it, and an honest read on whether to take it.