Being straight about the model matters more in this industry than most, because plenty of sites that look like this one are quietly optimising for the product that pays them best. Here's exactly what we do and how we're paid.
An education-first site that helps established business owners understand which funding options exist and what each one requires. We publish guides and run a free eligibility checker.
We are not a lender. We don't underwrite, we don't approve anything, and we don't set rates. We can't guarantee funding, and anyone who does should worry you.
If you choose to move forward, we connect you with a funding partner. If they fund you, they pay us a referral fee. You pay us nothing, ever.
Four questions — revenue, time in business, credit range, industry. Nothing is stored unless you decide to go further. You get a sorted list of options with the criteria behind each one.
Plenty of people read the guides, check eligibility, and never contact us. That's a fine outcome. If the answer is "you're not ready for this yet," we'd rather you know now than after a hard decline on your record.
If you want to move forward, we send your information to a partner who works with multiple lenders. They contact you, usually quickly — speed matters in this market. They'll ask for bank statements and complete the application with you.
The partner shows you what they can actually get approved. Compare the offers. Ask what the total payback is, not just the payment. Walk away if the terms don't make sense — there's no obligation at any point.
No hard credit pull to get matched. Checking eligibility here has no effect on your credit. Our partner does not run a hard pull during their approval process either. A hard inquiry only happens if you proceed to a formal application with a specific lender, and you'll be told before that happens.
Referral fees in this industry are not equal across products. A working capital advance typically pays a referrer several times what an SBA loan does, on a fraction of the funded amount.
That's a real incentive to push people toward expensive money, and it's why so much of this industry does. We're telling you about it because you should read every funding site — including this one — with that in mind, and because a guide that says "here's when this product will hurt you" is worth more to us long-term than one extra advance placed with someone who shouldn't have taken it.
If the right answer for your business is the cheap product that pays us least, our guides will say so.
Answer four questions and see which funding options fit your business — and the criteria behind each one.