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 conversation with a specialist. They review your situation and refer your request to our funding partners, one or more of whom may contact you with their own offers and terms directly. 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 conversation and review. A credit application only happens later, if you choose to move forward with a specific program. The lender will tell you exactly what it requires 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 a specialist to know which programs are realistic.

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. Tell us your time in business and we will only present what you actually qualify for.

Yes. Several programs weigh deposit history and consistency of sales more heavily than personal credit score. Credit affects pricing and which lenders participate, not whether a conversation is worth having.

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. Tell the specialist what you already carry so the options you see are ones a lender will actually approve.

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 can explain how each structure typically lands against sales, and the funding 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.

A specialist reviews every request and reaches out within 1 business day. They review your situation, answer questions, and refer your request to the funding partners that fit. Those partners send you their own written offers and terms directly. You choose what works, or you walk away with no obligation.

For the first review, we only need what you share in the form. If you choose a short term program, the lender usually asks for 3 to 6 months of business bank statements. SBA and larger term facilities add tax returns, interim financials, and a debt schedule. We only ask for documents once we know which program fits.

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.

One reply to review your request, then updates tied to your file. If you say you are done, that is the end of it.

Call instead of waiting on email. Say what failed, what the replacement costs, and when the health inspection or service window is, and the specialist will start with programs that fund in days.

That is a good time to talk. You get the numbers and the requirements in advance, so when you are ready the review is already half done.