Check how they disclose total payback, whether they are a direct funder or a marketplace, complaint history, and whether terms come in writing before you sign.
Check my optionsFinancing options
A good offer from a company with a poor track record can cost more than a slightly higher offer from one that treats borrowers fairly. Reputation is part of the price.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
You can apply at 500; stronger credit opens more products.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Start with the basics any legitimate funder should pass: a real business address, clear written terms, no request for fees before funding, and a reachable person who can explain the contract. Then check public reviews on independent sites and the Better Business Bureau, looking at how the company responds to complaints rather than just the star average.
Next, read the contract terms that reputation complaints usually involve: renewal practices, how payments adjust if sales drop, early-payoff terms, default triggers and whether a confession of judgment is included. A reputable funder will explain these plainly and put them in writing.
Finally, compare the offers themselves on net cash, total payback and payment schedule. A marketplace lets several funders bid on the same file, so you can weigh price and reputation together instead of committing to the first company that calls back.
Look at how a company handles the moment something goes wrong, because that is where reputation is earned. Reviews that describe a funder working out a reconciliation during a slow month, or answering questions promptly about a payoff, tell you more than reviews praising fast approval.
Check public records as a final filter. State business registries confirm the company exists under the name it uses, and searching the company name with terms like lawsuit, attorney general or consumer complaint can surface patterns that review sites do not show.
Two offers can look similar until you compare them line by line. Here is the breakdown to use for each. Illustrative.
| Amount funded | $100,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $130,000 |
| Fees deducted at funding (2%) | $2,000 |
| Net cash you receive | $98,000 |
| Weekly payment over 52 weeks | $2,500 |
| Same total as daily debits (~260 business days) | $500/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Address and licensing | Verifiable business presence |
| Upfront fees | None before funding |
| Review responses | Professional replies to complaints |
| Contract clarity | Plain terms in writing |
| Renewal practices | No pressure to renew early |
Good fit:
Probably not yet:
Independent review sites, the Better Business Bureau, and state regulators where applicable. Read complaint responses, not just ratings.
No. Look at recent reviews, the type of complaints, and how the company resolved them.
Requests for upfront fees, guaranteed approval promises, pressure to sign immediately, or refusal to provide terms in writing.
It lets you see multiple offers at once so you can choose based on both terms and reputation.
Often yes. Unclear renewal or default terms can cost far more than a small difference in factor rate.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding