How it works
You are selling a permanent share of future profit to avoid a temporary payment. For a profitable operating business with a working-capital need, that is almost always the wrong trade.
Equity makes sense where the capital funds something with a genuinely uncertain, potentially very large return — not payroll or inventory.
What it takes
Debt on a known return beats equity on a known return, every time.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
The trade-off worth knowing
The products here are debt. If what you need is a partner rather than a payment, this is the wrong page.
Questions
What does it cost?
Line of credit from 1% per month on the drawn balance, 2.49% per draw. Term loan 0% origination on weekly payments. Refinance priced with a factor rate.
What credit score do I need?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast?
Same-day decision, next business day funding on a complete file.
Can I apply with an existing advance?
Yes, up to two existing positions.