The questions operators ask before they call.

We are an independent business financing referral service. We are not a bank, lender, direct funder, or investor. You start with a free, no obligation request. Our team reviews it and looks for a funding partner that fits. If a partner thinks they can help, a specialist from that partner contacts you directly to discuss next steps. In California and Missouri, we do not broker, arrange, or negotiate financing: we transfer your inquiry to independent funding partners for a fixed fee, and those partners take your application from there.

No. The first step is a request that our team reviews while looking for a funding partner that fits. A funding partner sends its own application and explains its requirements before anything is pulled.

The review does not require a hard credit pull. Nothing is pulled until you pick a program and authorize that specific lender in writing.

Nothing, and you pay us nothing either way. In most states the funding partner pays us a referral fee after a referred account funds or activates. In California and Missouri, we are paid a fixed fee per transferred inquiry, whether or not you are funded.

No. There are no contracts, retainers, or exclusivity agreements to start. If none of the options work, you keep the information and walk.

Business name, type, time in business, rough monthly sales, the amount you have in mind, and what the money is for. That is enough for our team to look for a funding partner that fits.

Program requirements vary. Some options are available within the first year of operation, while SBA and conventional term debt generally expect a longer operating history. Include your time in business so our team can look for a funding partner that fits. The funding partner determines which programs may be available.

Possibly. Several programs weigh deposit history and consistency of sales more heavily than personal credit score. Credit can affect pricing and which funding partners participate. A funding partner determines whether you qualify.

No. Seasonality is normal in food service and lenders in this space underwrite for it. A slow stretch is easier to explain up front than to discover mid review.

Often yes. Existing positions affect what is available and at what cost. Include what you already carry in your request so our team can look for a funding partner that fits.

Both. Single location restaurants, bars, trucks, caterers, bakeries, ghost kitchens, and distributors all get reviewed the same way as multi unit groups.

Yes. We work with operators in 49 states and Washington DC, including single unit independents in small markets. We do not currently serve businesses in North Dakota. Program availability varies by state. Merchant cash advance and other revenue-based financing structures are not offered to businesses in Texas, Virginia, or Connecticut.

Short term working capital and equipment programs commonly fund in 1 to 5 business days once documents are in. SBA and larger term facilities run weeks, not days, because of the underwriting involved.

Pricing depends on the program, the term, and your business profile, so we do not publish rates and we do not quote them. Every offer comes to you directly from the funding partner with the total dollar cost, the payment, and the term in writing before you commit.

Requests generally range from about 10,000 for a single piece of equipment to several million for acquisitions and full buildouts. The realistic number depends on sales volume, time in business, and the program.

Depending on the program, payments are daily, weekly, or monthly, usually by ACH. A specialist from the funding partner can explain how each structure typically lands against sales, and the partner states your exact payment in its written offer.

It varies by lender and program. Ask the funding partner before you sign, and it will state any early payoff discount or penalty in writing in its own offer.

Working capital is flexible. Equipment financing and SBA proceeds are tied to specific uses, so tell us what the money is for and you will only see programs that permit it.

Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps. The partner sends its own secure application, reviews your file, and presents any offer, rate, terms, and total cost in writing. You choose what works, or you walk away with no obligation.

For our review, we only need what you share in the form. If a funding partner thinks it can help, it explains which documents its program requires. Short term programs commonly require 3 to 6 months of business bank statements. SBA and larger term facilities commonly add tax returns, interim financials, and a debt schedule.

In most states, we share your information only with the funding partner we match you to, after you consent, never with random marketplaces or unrelated third parties. In California and Missouri, we're paid a fixed fee to transfer your inquiry to a funding partner, which counts as a sale or sharing of personal information under state privacy law; you can opt out any time, see our Do Not Sell or Share link. Full details are in our Privacy Policy, and every application spells out exactly what you're agreeing to.

Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you about next steps. If you say you are done, that is the end of it.

Call and say what failed, what the replacement costs, and when the health inspection or service window is. Our team reviews the request and looks for a funding partner that fits.

The program pages provide general information about common amounts, terms, documents, and timelines. When you submit a request, our team reviews it and looks for a funding partner that fits.