The Six Main Funding Products

Working Capital: $5K-$500K, 6-24 months, daily/weekly ACH. Line of Credit: $10K-$250K, revolving, draw what you need. Equipment Financing: $10K-$2M, 24-72 months, equipment as collateral. Invoice Factoring: $10K-$5M, 80-90% advance on B2B invoices. MCA: $5K-$1M, fast cash repaid as % of card sales. Revenue-Based: $25K-$2M, fixed daily ACH tied to revenue.

What Lenders Actually Look At

1) Monthly revenue ($10K+ minimum for most products). 2) Time in business (6+ months minimum, 2+ years for best rates). 3) FICO (we accept 500+; banks need 720+). 4) Industry (some lenders red-line restaurants, MCAs, etc.). 5) Cash flow patterns (positive average daily balance, no NSFs). 6) Existing debt (too many active MCAs hurts approval).

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How to Get Approved Fast

Have ready: last 3 months of business bank statements (PDF format from your bank's portal), government ID, business tax ID (EIN), and a void check. Apply when revenue looks strong (avoid your slowest month). Don't apply with 5+ lenders simultaneously — that creates a hard-pull cluster. Use a soft-pull pre-qualification first to compare offers without credit damage.

Avoiding Common Mistakes

Don't stack multiple MCAs (debt spiral). Don't accept the first offer — get 2-3 quotes. Don't sign without reading the personal guarantee terms. Don't use long-term funding for short-term needs (or vice versa). Don't lie on the application — funders pull bank statements and the truth comes out at underwriting.