Your Questions Answered

Find answers to the most common questions about acquiring business capital.

What is the definition of a small business?

A small business is defined as one with fewer than 500 employees.

What is business capital?

In business, capital refers to the financial assets and investments a company uses to fund its operations, growth, and expansion. It's essentially the money and assets that a business uses to generate value and profits.

Do I need a good personal credit score to acquire business capital?

Yes, your personal credit score can significantly influence your ability to secure business capital, especially when you're just starting out or have a new business with limited financial history. While a strong business credit score is ideal, your personal credit is often a factor, especially for loans from traditional lenders or for smaller loans. Ideally it is best to have a personal credit score of 720+ for the best results.

However if your credit score is in the 600s, most lenders would prefer you to be in business for at least 2+ years with a monthly revenue of 10k to 20k+ per month in order to consider lending to your business.

What are the benefits of using our company to acquire business capital?

We have personal relationships with banking relationship managers and underwriters at the top banking institutions nationwide, that we connect you with who are able to personally evaluate you and your business to request higher limits. Usually you'll acquier 10x more in funding than what you are able to get on your own by going online and filling out a application yourself. (Please refer to our results page in this website to see real testimonials from our clients).

How much will it cost me once I receive business capital from you?

With our business credit card funding products, we charge a 10% success fee once we are successful in getting you funded. With our alternative lending options we get paid form the finanical institutions for the funding we acquire for you at no cost to you. (Please book a free consultation for more details). Book Free Consultation Here

How do I apply for business capital?

First book a free consultation so that we can customize and maximize the right lending products for your business. Book A Free Consultation Here

How long does it usually take to acquire my business funding capital?

Usually within 30 days or so depending on your lending options.

What are some examples of how to use business capital once received?

Business capital, or funding, can be used for a variety of purposes, including financing daily operations, investing in growth, and managing financial risks. Here are some examples:
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Paying expenses: Businesses use capital to cover salaries, rent, utilities, raw materials, and other ongoing costs.

Managing working capital: Working capital is the difference between a company's current assets and current liabilities. It's used to cover short-term expenses and ensure the business can operate smoothly.

Purchasing inventory: Capital is used to buy the goods needed for production or sale.

Investing in new technology: Businesses can use capital to update software, hardware, or implement automation to improve efficiency.

Expanding operations: Capital can fund the opening of new locations, entering new markets, or launching new products or services.

Investing in labor: Capital is used to hire new employees, train staff, or increase wages.

Debt repayment: Capital can be used to pay down existing debts, reducing the company's financial obligations.

Managing risk: Businesses may use capital to build a financial buffer to weather economic downturns or seasonal slumps.

Building Credit: Using capital wisely, such as managing debt, can help a business establish a positive credit history.

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