Your guide
to business funding

Most applications are reviewed within 24 hours. Once approved, funds are typically released within 24–48 hours — and same-day funding is available for select programs.

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We work with businesses that have credit scores as low as 550. We evaluate your entire business profile — including revenue, time in business, and growth potential — not just your credit score.

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Most of our financing options require no collateral. Your business revenue and bank statements are usually sufficient to qualify. For certain specialized products such as equipment financing, the purchased equipment itself serves as collateral.

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Funding can be used for almost any legitimate business purpose — from payroll to expansion — so you can put capital where it drives the most impact:

• Payroll and working capital
• Inventory or equipment purchases
• Marketing and advertising
• Expansion or renovation
• Seasonal expenses or cash-flow gaps

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Rates and terms vary by product, amount, and business profile. You’ll always see the full cost and repayment schedule before signing — no hidden fees, ever. Your Funding Specialist will explain all details clearly.

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Yes. We regularly help businesses with credit challenges. While credit score matters, we focus more on revenue consistency, stability, and overall financial health.

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This varies by product and funding program. Some options allow early repayment with no penalty, while others may include specific prepayment terms. Your Funding Specialist will review these details with you.

No. Our initial review uses a soft inquiry that doesn’t affect your credit score. A hard inquiry only occurs if you choose to move forward after pre-qualification.

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The online form takes about 60 seconds — no lengthy paperwork required. After submission, a Funding Specialist will contact you to discuss your options and request any additional information.

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No upfront documentation is required until you’re pre-qualified. You’ll need:

• Basic business information (name, address, industry)
• Time in business
• Estimated monthly revenue
• Estimated credit score
• Contact information

If approved, we’ll request:

• 3-6 months of business bank statements
• Business tax ID (EIN)
• Government-issued ID
• Additional business documentation as needed

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Yes. We work with businesses as young as six months old, though newer companies may have limited options or need stronger revenue to qualify.

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That’s common. Many of our clients were previously turned down by banks. Hello Funding provides flexible business-funding programs designed to help strong businesses that traditional banks often overlook.

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Yes. Once we review your profile, your Funding Specialist may present several options so you can choose the best fit for your goals.

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We specialize in five core types of business financing:

• Working Capital Loans ($25K–$2M, 3–18 months)
• Business Lines of Credit (Up to $2M, revolving)
• Term Loans ($25K–$2M, 1–10 years)
• Equipment Financing ($25K–$2M, up to 10 years)
• SBA Loans ($50K–$5M, up to 25 years)

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Working Capital (Merchant Cash Advance) is a shorter-term program with revenue-based repayment and daily or weekly remittances tied to your sales. Term Loans have fixed monthly payments over longer periods (1–10 years).

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A factor rate (e.g., 1.15) is multiplied by your funding amount to determine total repayment. APR (Annual Percentage Rate) represents the yearly cost of borrowing as a percentage. Factor rates are common with revenue-based financing and merchant cash advances.

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In some cases, yes — such as combining a line of credit with a term loan. Your Funding Specialist will help structure your financing responsibly to avoid overextension.

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It’s a revolving source of funds you can draw from as needed. You only pay for what you use, and as you repay, your available balance replenishes — similar to a credit card.

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Financing dedicated to purchasing business equipment. The equipment itself acts as collateral, often making approval easier even with challenged credit.

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A government-backed program that offers lower rates and longer terms. SBA loans require more documentation and can take 30–90 days for approval but are ideal for established businesses.

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Our process is built around transparency, speed, and real human support. You’ll never deal with bots or automated decision trees — just a Funding Specialist focused on helping your business grow.

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Yes. All information you share is encrypted and protected using industry-standard security protocols. We take privacy and data protection seriously.

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Absolutely. You can re-apply anytime your revenue increases or your business goals change to explore higher limits or better terms.

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Yes. You’ll work with a dedicated Funding Specialist from start to finish — no call transfers or multiple departments.

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1. After you submit your short qualification form, a Funding Specialist will contact you to confirm details and send a one-page application.
2. Once approved, you’ll review and e-sign your documents — funding typically follows within 24–48 hours.

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Of course. Call us at (800) 900-8108 (Mon–Fri 6 am–6 pm PST, Sat 6 am–11 am PST) to speak directly with a Funding Specialist.

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Generally, you need:

• At least 6 months in business (12+ months preferred)
• $25,000 or more in monthly revenue
• A credit score of 550 or higher
• An active business bank account

Specific requirements vary depending on the funding program.

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Not necessarily. We focus more on your revenue consistency and cash flow than profitability. Many growing businesses qualify even while reinvesting profits back into growth.

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We provide funding across more than 500 industries nationwide. Certain business types may have limited availability based on regulatory or underwriting guidelines. Contact us to confirm eligibility.

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We can work with businesses that have been operating for at least six months. Newly formed startups (under six months) typically have limited options until they establish consistent revenue.

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A business bank account is required for underwriting and funding. Personal or digital-only accounts (such as PayPal, Chime, or CashApp) don’t qualify.

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Repayment depends on the product:

• Merchant Cash Advance (MCA): Daily or weekly automatic payments based on your revenue
• Term Loans: Fixed monthly payments
• Lines of Credit: Flexible payments on drawn amounts
• Equipment Financing: Monthly payments
• SBA Loans: Monthly payments

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Contact your Funding Specialist immediately if you anticipate payment difficulties. In many cases, adjustments or short-term arrangements can be made to help you stay on track. Late payments may result in fees and impact your credit.

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This varies by program. Some allow early repayment with no penalty, while others may have set prepayment terms. Your Funding Specialist will review the details before you proceed.

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Many programs require a personal guarantee, meaning you’re personally responsible if your business cannot repay. Your Funding Specialist will explain this before you accept an offer.

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