FAQ

It depends on the product. Some options involve only a soft pull (no impact). Others require a hard pull, which can affect your score. I'll explain what's involved before any submission.

I work with partners that demonstrate professionalism, long-term legitimacy, and transparent operations. That includes a real organizational presence, clear servicing practices, and disciplined legal/compliance procedures. If a lender doesn’t meet standards, I don’t place deals there.

Because servicing behavior affects your operations. Different lenders handle remittance, support, collections, and contract/legal processes differently. A “cheap” offer can become expensive if the operational experience is chaotic or aggressive.

I take a fit-first approach: I prioritize what makes sense for your business over what’s easiest to place. I’ll be direct when a deal structure is likely to create operational stress, and I won’t submit you without clarity and consent.

Typical: bank statements (3–6 months), P&L or tax returns if applicable, business registration, ID. Exact requirements depend on the product. I'll tell you what's needed before you submit.

MCA and some personal loans can fund in 24–72 hours with complete docs. Term loans take longer (weeks). I'll set expectations upfront based on your situation.

I'll let you know honestly. If there's a path later (e.g., after revenue improves), I can suggest next steps. I won't submit you to lenders that won't approve you.

MCA (Merchant Cash Advance) is a purchase of future receivables — you repay a percentage of daily sales. A term loan has fixed payments over a set period. Each has pros and cons; I help you understand which fits.

A flat advisory fee (3% for MCA, 2.5% for personal loans). No hidden charges. The fee is confirmed before you submit. I'm not paid by lenders to push specific products.

No. I curate options that fit your situation and get your consent before any submission. I don't blast your info to dozens of lenders.