Everything You Need to Know About Getting Funded

Some of our funding sources can approve and fund in as little as 24-48 hours once a complete application and documents are submitted. Exact timing depends on the completed application, requested documents, program, and participating funding source — no specific timing is guaranteed.

Typically: 3+ months of recent business bank statements, a government-issued ID, and basic business information. Additional documents may be requested depending on the program and funding source.

Credit review requirements depend on the program and funding source. We will explain what is needed before a lender-level review.

Standard equipment can fund in as little as 48 hours once a complete application and documents are submitted; titled assets (vehicles, etc.) typically take a few business days. Larger or more complex transactions can take longer. Exact timing depends on the equipment, business, and participating funding source — no specific timing is guaranteed.

Typically: a completed application, an invoice or quote for the equipment being financed, and basic business information. Larger requests may also need business tax returns, financial statements, and recent bank statements. Exact requirements depend on the funding source and deal size.

Some funding sources consider used equipment. The asset, condition, cost, business use, and supporting documents are reviewed case by case.

Credit requirements vary. The equipment may be part of the review, but it does not guarantee approval or replace the need for a complete application and documents.

It’s an advance against future sales, repaid as a percentage of daily revenue rather than a fixed payment.

Some of our funding sources can approve and fund in as little as 24-48 hours once a complete application and documents are submitted. Exact timing depends on the completed application, supporting documents, and the participating funding source — no specific timing is guaranteed.

Typically: 3+ months of recent business bank statements, a government-issued ID, and basic business information. Additional documents may be requested depending on the funding source.

Both flex with your sales, but revenue-based financing is typically sized to monthly recurring revenue with longer terms — a better fit for steadily growing businesses than a fast card-sales advance.

Many of our funding sources can fund in as little as 3-7 business days once a complete application and documents are submitted — reviewing recurring revenue and business model takes a bit longer than a same-day card-sales advance. Exact timing depends on the completed application, requested documents, and the participating funding source — no specific timing is guaranteed.

Typically: 3+ months of recent business bank statements, a government-issued ID, and basic business information. Larger requests may also need revenue history and financial statements. Additional documents may be requested depending on the funding source.

These programs are generally structured as financing rather than an equity investment, but the exact agreement and repayment terms must be reviewed before accepting an offer.

SBA closings typically run 30-45 days once a complete file is submitted; acquisition loans can take 60-120 days depending on complexity. Timing varies by program, application completeness, supporting documents, and funding source — these reviews take longer than short-term programs, and no specific timing is guaranteed.

Typically: a completed application, 2-3 years of business tax returns and financial statements, recent bank statements, a personal financial statement, and a use-of-funds explanation. Additional documents (business plan, collateral information) may be requested depending on the program and funding source.

Underwriting can be completed in as little as 24-48 hours, with funds often arriving the next business day once an invoice is approved. Exact timing depends on the invoices, your customers’ payment history, and the participating funding source — no specific timing is guaranteed.

Typically: the outstanding B2B invoices you want to factor, information about the customers being invoiced, and basic business and bank records. Additional documents may be requested depending on the funding source.

Depending on the program, the factoring company may collect directly or you may continue collecting as usual.

The request must be reviewed as a business-purpose or investment transaction. Borrower, property, use of proceeds, and supporting documents are considered.

Entity requirements vary by program and funding source. The ownership structure and transaction documents are reviewed case by case.

Credit is one part of the review. Property equity may be relevant, but it does not guarantee approval or replace the need for a complete file.

The property, equity, lien position, requested use, repayment or exit plan, and borrower profile are reviewed together. Closing timing is not guaranteed.

Hawaii property deals through our primary relationship can close in as little as 5-7 business days after appraisal once a complete file is submitted. Mainland or more complex transactions (larger portfolios, ground-up construction) generally take longer. Exact timing depends on the property, program, and participating funding source — no specific timing is guaranteed.

Typically: a completed application, property information (purchase contract, appraisal, or ownership documents), a personal financial statement, and your repayment or exit plan. Renovation and construction requests also need a budget/scope of work. Additional documents may be requested depending on the program and funding source.

Potential property types depend on the program and funding source. Commercial, investment, mixed-use, and land requests require a case-by-case review.

Leverage varies by lender and by property type, condition, and exit strategy — typically in the range of 60% to about 90% of purchase price, or up to roughly 75% of after-repair value (ARV) for fix-and-flip structures. Exact leverage is confirmed per deal, not guaranteed in advance.

This varies significantly by program. Some hard-money and real-estate options have no minimum credit score at all — they are underwritten primarily on the property and equity position. Others expect a credit score in roughly the 650-700+ range depending on the specific program.

Loan amounts across our current hard-money and real-estate lending relationships range from about $150,000 up to $75,000,000+ for larger, multi-property or portfolio transactions. The right program and maximum amount depend on the property, equity, and the specific request.

Yes. Fix-and-flip programs may finance up to 100% of the purchase price plus rehab costs, with leverage up to roughly 80% of after-repair value (ARV), loan amounts generally from $100,000 up to $5,000,000, and interest-only terms of 12 to 24 months.

Yes. DSCR (debt-service-coverage-ratio) loans are evaluated on the property’s rental cash flow rather than personal income, generally up to 80% loan-to-value, with 30-year fixed or adjustable-rate options available.

Yes, for qualifying build-to-sell or build-to-rent projects. Maximum loan and rehab-budget amounts vary by state and program — confirm current availability for your property’s state before assuming a figure.