Find answers to common questions about our lending services, application process, and loan terms.
Our streamlined process allows us to review your application quickly while maintaining thorough underwriting standards. Once funding goals are met, funds are typically deposited within 3-5 business days.
We work with borrowers across the credit spectrum. For both personal and business loans, the minimum credit score is 650. We also consider factors beyond your credit score, including income, debt-to-income ratio, and business performance(for business loans).
No, we believe in transparent pricing. All loan fees and terms are clearly disclosed upfront before you sign our final agreement for a loan offer.
Personal loan amounts range from $1k - $200k. The exact amount you qualify for depends on your income, credit score, debt-to-income ratio, and other financial factors.
Personal loans offer flexible repayment terms. Longer terms result in lower monthly payments but more interest paid over time, while shorter terms have higher monthly payments but less total interest.
We offer a comprehensive range of business financing including term loans, equipment financing, commercial real estate, and working capital loans.
Basic requirements include: business operating for 6+ months, minimum $50K annual revenue, personal credit score of 650+, and a US-based business. You'll also need to provide financial documents like bank statements, tax returns, and financial statements.
Business loan amounts range from $10,000 to $200,000 depending on the loan type, your business's financial strength, and intended use.
Required documents typically include the last two years of the following: business bank statements, business tax returns, personal tax returns, business financial statements, business license, and articles of incorporation. Additional documents may be required based on loan type. Our guided checklist that is available to all applicants when applying will help you gather everything needed for a complete application.
You can apply online through our secure application portal.
Initially, we perform a soft credit check for pre-qualification which doesn't affect your credit score. A hard credit inquiry is only performed when you formally accept a loan offer, which may have a temporary impact on your credit score.
After submission, our underwriting team reviews your application and supporting documents. If approved, you'll receive information regarding the next steps to fund your loan.
Yes, you'll receive email updates throughout the process. You can also check your dashboard for real-time status updates on your application.
Interest rates are based on several factors including credit score, income, debt-to-income ratio, loan amount, loan term, and for business loans, business performance and industry risk.
Most of our loans offer fixed interest rates, meaning your rate and monthly payment stay the same throughout the loan term. Some business lines of credit may have variable rates tied to market indices.
Yes, you can pay off your loan early, depending on the agreement of the loan there may be prepayment fees involved. You can make extra payments toward principal at any time.
If you miss a payment, contact us immediately. We may charge a late fee and report the missed payment to credit bureaus.
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