Frequently Asked Questions

Minimum score requirements vary by product. As a general guide: Merchant Cash Advances can be accessible from around 500+; Business Lines of Credit typically start around 600+; Term Loans generally require 620–650+; and SBA Loans usually look for 680+. Rather than chasing one number, the smartest move is to apply once and let our platform match your current profile to the products you actually qualify for — so you avoid unnecessary hard pulls and wasted time. Your business credit scores also matter significantly, and in some cases can offset a lower personal score.

Funding speed depends on the product type. Merchant Cash Advances and many Business Lines of Credit can fund in as little as 24–48 hours. Term Loans typically take 1–5 business days. SBA Loans move through a more thorough approval process and generally take 30–90 days. One of the biggest advantages of working through our network is that a single application goes to 300+ lenders simultaneously, so you get the fastest possible match without filing paperwork with each lender individually.

No collateral is required for many of our most popular products — including Merchant Cash Advances, Business Credit Cards, Business Lines of Credit, and Credit Card Stacking. These are unsecured options that lenders approve based on revenue, time in business, and credit profile. Newer businesses can also qualify for certain products; some MCAs and credit card programs work with businesses as young as 3–6 months. The Funding Finder on our Funding Solutions page identifies which products fit your current situation so you're never applying blind.

The right product depends on what you need the capital for and what your business profile looks like today. In broad terms:

• Working Capital (MCAs, Lines of Credit) — best for covering day-to-day operations, payroll, or short-term cash flow gaps with fast access to funds.
• Asset-Based & Equipment (Equipment Financing, Collateral Loans, A/R Financing) — ideal when you have assets to leverage or receivables to advance against, often unlocking larger amounts at lower rates.
• Growth & Term Capital (Term Loans, SBA Loans, Franchise Financing) — best for planned expansion, acquisitions, or large one-time investments where a structured repayment schedule makes sense.

Not sure where you fall? Speak with one of our advisors — they'll match you to the right product in minutes, not days.

Most businesses can establish a fundable credit profile within 6 to 12 months with consistent effort. The timeline depends on how quickly you complete the Fundability Foundation requirements, how many vendor and net-30 accounts you open, and whether those accounts report on time to Dun & Bradstreet, Experian Business, and Equifax Business. The platform shows your exact progress at every stage so there's no guesswork — you always know what's left to unlock the next tier of funding.

Yes — and this is one of the most powerful aspects of building business credit. Your business credit profile is completely separate from your personal credit score. Many vendor accounts, net-30 suppliers, and store credit programs do not pull your personal credit at all. The Credit Builder module inside the platform identifies exactly which accounts you currently qualify for based on your business profile, so you can start stacking positive payment history on your business reports right away — regardless of where your personal scores stand today.

Each module tackles a different phase of the journey:

• Fundability Foundation — fixes the structural requirements lenders and credit bureaus check first: EIN, business address, 411 listing, DUNS number, matching name/address across all filings, and more. Lenders reject applications before they even check scores if these are off.
• Credit Builder — once your foundation is solid, this module opens accounts that actually report to D&B, Experian Business, and Equifax Business, steadily building your scores tier by tier.
• Funding Manager — when your scores reach qualifying thresholds, this module matches your live profile to real funding opportunities — lines of credit, term loans, business cards, and more — so you apply with confidence instead of guessing.

It's far more than monitoring. The platform is an active, step-by-step system — it tracks your scores across all three business bureaus, identifies the specific gaps holding your profile back, curates matched vendor accounts you can act on immediately, and alerts you when your profile reaches new funding thresholds. When scores qualify, the Funding Manager connects you directly to lenders and credit products suited to your current profile. Throughout the process, a dedicated advisor is available to guide your strategy, answer questions, and help you avoid the moves that set businesses back. Think of it as a GPS for business credit — not just a dashboard.

Yes, each application results in a hard inquiry — but because we apply to all cards simultaneously, the impact is much smaller than applying one at a time over several months. Hard inquiries can temporarily affect personal credit scores. The impact varies according to the individual's overall credit profile, number of inquiries, scoring model, and other factors.

You'll need some form of business entity or at least a business name (EIN or sole proprietorship). Most business credit card applications ask for an EIN and a business name, but some sole proprietors may apply using their SSN as their taxpayer identification number when permitted by the issuer, while others use an EIN. An SSN is not an EIN. We recommend forming an LLC or corporation first for liability protection and better long-term credit building outcomes.

After the intro period, standard variable APRs kick in — typically 18–29% depending on the card and your creditworthiness. Our strategy is to either pay down balances before the intro period ends, transfer balances to new cards with fresh 0% windows, or refinance into a lower-rate product like a business line of credit. We plan this with you well in advance so you're never caught off-guard.

The difference is strategy, timing, and relationships. We know which issuers are most likely to approve at your credit profile, which ones offer the highest limits, which have the best 0% windows, and which report to business bureaus. We also coordinate the timing to maximize simultaneous approvals. On your own, you'd likely apply sequentially, each application impacting the next — resulting in lower total credit approved. For a deeper look, see our complete credit card stacking guide.

No. The Business Loan Brokers partner program is completely free to join. There are no setup fees, no monthly minimums, and no licensing costs. You apply, we onboard you, and you start referring — the only investment is your time.

Partners earn 20% of our fee on every funded deal. For Fundability platform subscriptions and credit building program enrollments, partners earn recurring monthly commissions for as long as the client remains active. Commission details and payment schedules are outlined in your partner agreement during onboarding.

Every partner receives a unique referral tracking link and a dedicated partner dashboard showing every referral, their current status, deal stage, and your associated earnings. Referrals submitted directly through your partner manager are logged manually and tracked in the same dashboard. You'll never lose credit on a client you introduced.

Referred clients are flagged as priority in our system. They receive a personal introduction from our team, a free credit and funding readiness review, and a tailored recommendation for whether funding or business credit building is the right fit for their situation. You can request regular status updates, and your dashboard shows their progress in real time.