Will checking my fit pull my credit? +
No. Checking your fit uses the profile you give us — revenue, time in business, industry, timeline — not a credit pull. A credit check only happens when you apply and authorize it, and it starts as a soft pull.
How fast is fast? +
A real number in about an hour once we can see your numbers. Funding speed depends on the program: revenue-based capital commonly funds in 24–72 hours; equipment and credit lines in days; SBA takes weeks but costs the least. We tell you the honest timeline per program before you choose.
What do you need from me? +
A completed application, your three most recent months of business bank statements plus month-to-date, a voided business check, and a driver's license. Connecting your bank read-only is the fastest path — we can never move funds.
Is Alex really an AI? +
Yes — and we say so on every call and email. Alex answers any hour, reads your file honestly, and a real person reviews everything before it goes anywhere. The AI is why our fee can be lower, not a replacement for the service.
How do you get paid? +
By the funder, at closing, on almost every file — you never pay us a dollar before you're funded. On certain advisory engagements a client-paid success fee applies instead of funder compensation; when it does, it's disclosed in writing before we start, and still never charged before your deal closes. Full detail in our
Disclosures.
I already have an offer. Why talk to you? +
Bring it. Two ways we beat it: we re-route your file to a lower-cost lane than the one you were offered — or, if your lane genuinely fits, we beat the offer on a lower payment and a lower total payback. If we can't, we pay you $50.
Published terms.
My credit has taken hits. Do I still qualify? +
Often, yes. Several programs on the panel qualify files on the business you've built — deposits, time in business, cash flow — not just the owner's score. We'll tell you which options are realistic before anything is pulled, and we never promise an approval we can't see.
Which industries do you work with? +
Most operating businesses — restaurants, contractors, medical and dental practices, e-commerce and online sellers, auto repair, retail, logistics, manufacturing, professional services, and more. A few industries are restricted by individual funders; we screen yours in the first minute.
