Frequently Asked Questions

From $1,000 to $50,000, with terms from 6 to 24 months. Ask for what you actually need — smaller, well-scoped requests are often approved faster.

A real person reviews every application, typically within 24–48 hours. If we need more information, you’ll see the request on your dashboard right away.

No. We don’t run a hard credit pull to review your application — we underwrite from your business’s real cash flow (bank statements), not a formula.

Usually just recent business bank statements (3 months is a great start). Depending on the request we may ask for a business license or tax return — you can upload everything from your dashboard.

A fixed interest rate and a predictable monthly payment, disclosed in plain English before you accept. No application fee, no origination surprises, no prepayment penalty — pay it off early any time.

Yes. We’re operators, not an algorithm — we regularly work with newer businesses that show real activity and a clear plan. The worst case is a fast, honest no.

If you accept an approved offer, funds are deposited directly to your business bank account, as soon as the next business day.

Fixed monthly payments over your term. You’ll see the exact payment amount in your offer before you accept anything.

A private investment firm that builds and backs businesses — micro loans is our direct small-business lending arm. When we lend to you, it’s our own capital and our own people on the other side.