Guide
The most reliable filter: ask for the thresholds and the fee schedule in writing before any credit pull.
✓ Checking what you qualify for does not affect your credit score.
An upfront fee to "release" or "secure" funding. Legitimate fees are deducted at funding or built into the cost, never paid in advance by wire.
A funder that will not publish a credit floor, a revenue minimum or a fee schedule.
Pressure to sign same-hour, or a quote that changes after you provide bank login credentials.
Read-only bank verification through a recognised aggregator is normal. Handing over your online banking username and password directly to a funder is not.
Every threshold on this site is listed before you apply, including the ones that disqualify you: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits, 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance, and the restricted industries.
Not to release funding. Costs are deducted at funding or built into the total.
Read-only verification through a recognised aggregator is normal; handing over credentials directly is not.
Ask for thresholds and total payback in writing, and look up the legal entity.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
