FAQ

Frequently Asked questions

Are there usage restrictions?

Our programs are designed to give flexibility across multiple funding needs:

  • Business Loans: Can be used for working capital, equipment purchases, marketing, hiring, debt consolidation, or expansion.
  • Investor Real Estate Loans: Funds can be used for property acquisitions, rehab or renovation, refinancing, and cash-out for future investments.
  • Owner-Occupied Commercial Real Estate Loans: Designed for acquiring, refinancing, or improving properties your business occupies such as offices, retail, industrial, or mixed-use spaces.

While certain programs (like SBA or bridge loans) may have specific restrictions, we’ll structure your financing so the funds align directly with your intended business or property goals.

Early repayment without fees?

Most of our programs allow for early payoff with no prepayment penalties giving you the freedom to reduce interest costs when your cash flow improves.

  • Business Loans: Typically no prepayment fees, especially with short-term or working capital products.
  • Investor Real Estate Loans: Most bridge and DSCR loans allow early payoff after a short “lockout” period.
  • Owner-Occupied CRE Loans: SBA 504 and 7(a) programs may include minimal prepayment penalties within the first few years, but we’ll review all terms upfront so you can plan accordingly.

Transparency is key you’ll always know if any prepayment provisions apply before funding.

How quickly can I receive funds?

Funding speed depends on loan type and documentation readiness:

  • Business Loans: Often approved and funded within 24–72 hours once financials are submitted.
  • Investor Real Estate Loans: Bridge or DSCR loans typically fund within 2–4 weeks, depending on appraisal and title timeline.
  • Owner-Occupied CRE Loans: Conventional or SBA-backed loans generally close in 3–6 weeks, depending on third-party reports and underwriting.

We streamline every step from application to closing to move as quickly as your deal allows.

What if my credit score is low?

A low credit score won’t automatically disqualify you. We evaluate the whole picture, not just personal credit.

  • Business Loans: We focus on cash flow, revenue trends, and business performance not just your FICO score.
  • Investor Real Estate Loans: Programs like DSCR loans or asset-based bridge financing rely primarily on property income or collateral value.
  • Owner-Occupied CRE Loans: SBA and alternative lenders can often approve borrowers with mid-600s credit if strong cash flow or collateral support exists.

Our goal is to find a path to funding even when banks say no.

Do you provide personal and business loans?

Our primary focus is on business and commercial financing, not consumer personal loans.

  • Business Loans: Available for startups and established companies seeking working capital or expansion funds.
  • Investor Real Estate Loans: Tailored for investors purchasing or refinancing non-owner-occupied properties (multifamily, mixed-use, retail, etc.).
  • Owner-Occupied CRE Loans: Designed for business owners looking to purchase or refinance the property their company operates from.

If a personal credit product is strategically beneficial (e.g., to fund a startup business), we can connect you with partners who specialize in that area.

What are some benefits of our funding process?

  • Comprehensive Lender Network: Bank and non-bank programs for business, investor, and owner-occupied borrowers.
  • Fast Turnaround: Funding in as little as 24 hours for business loans; 2–6 weeks for commercial real estate.
  • Tailored Options: From short-term working capital to multi-million-dollar commercial real estate financing.
  • Transparent Terms: No hidden fees or surprises.
  • Concierge Service: One dedicated advisor guides you from application through closing.
  • Flexible Credit Standards: We evaluate your full story not just your score.

We combine speed, flexibility, and real-world underwriting to deliver results traditional banks can’t.

Who is this ideal for? (Term Loans)

Term loans are ideal for business owners who want structured, predictable financing with fixed payments over time. They’re a strong fit for those who want to:

  • Expand operations or open new locations
  • Purchase equipment, vehicles, or inventory
  • Refinance existing high-interest debt
  • Invest in property for their business to occupy
  • Access long-term working capital for growth

If you’re looking for stability, consistency, and the ability to plan your cash flow, a term loan is the right solution.

Who is this ideal for? (Lines of Credit / Credit Cards)

Lines of credit and revolving credit programs are designed for business owners who need flexible access to working capital. They’re ideal for:

  • Covering short-term cash flow gaps
  • Managing seasonal revenue fluctuations
  • Handling payroll or vendor expenses
  • Purchasing inventory or supplies
  • Seizing time-sensitive opportunities

With a line of credit, you can draw funds as needed, repay, and reuse keeping your business agile and prepared for growth.