Paradise Working Capital is a commercial finance broker, not a lender. We do not make approval or credit decisions; the participating funding source does. Program availability, terms, costs, and eligibility vary by request, state, business, property, and funding source. Not all applicants qualify. No offer, approval, rate, amount, or timing is guaranteed. Speed figures apply once the application is complete with all documents and required fields filled out, and are not a promise for any individual. In some states, approval and funding can take longer, sometimes 48 to 72 hours or more. If an underwriter requests additional documents or explanations, such as NSF or overdraft activity or transfers between personal and business accounts, approval and funding can take longer.
Pre-qualification uses a soft credit pull, which does not affect your credit score. After you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting, and we will explain that step before it occurs. Minimum credit figures apply to merchant and working-capital programs; hard money, real estate, and property-backed deals are evaluated separately. Client results may reflect composite experiences and are not guaranteed.
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