No — we’re a broker. We submit your application across our lender network and bring back competing offers so you pick the best one. One application, not twenty.
No. Pre-qualification uses a soft inquiry only. A hard pull happens only if you accept a specific offer that requires it — and we’ll tell you first.
Business funding runs $10K–$500K+, personal $5K–$100K. Exact amounts depend on revenue, credit, and time in business — the fastest way to know is to apply or run the simulator.
We work both lanes at once: business funding plus personal funding or credit strategies under one coordinated plan, sequenced so the applications don’t work against each other.
Business funding: generally 6+ months in business and $10k+/month revenue. Personal funding depends mainly on credit profile and income.
Yes — some programs start around 550. Options narrow and rates rise below 600, which is exactly where a hybrid strategy helps most.
No. Your application goes through us — a dedicated specialist handles lender outreach and brings you the offers. You won’t get 20 cold calls.
For pre-qualification: just the application. For funding: typically 3–6 months of bank statements, a voided check, and ID. SBA and real-estate products need tax returns and financials.
The consultation and pre-qualification are free. We’re compensated by lenders when you accept an offer — you never pay us directly.
Depends on the product — many term loans and lines have none; some equipment and SBA products do. We flag it on every offer we show you.
Many programs fund in 24–72 hours after approval. SBA and real-estate products take longer — typically 2–6 weeks.