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Got Questions? We've Got The Answers.

With years of experience helping small businesses secure funding, we've heard just about every question there is. That's why we've put together answers to the questions we hear most often so you can feel confident in your next steps. Here's everything you need to know:

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General

What type of funding does Capitalize Funding offer?

At Capitalize Funding, we specialize in all aspects of business funding, from business loans, to working capital, to lines of credit.Our services are designed to support your business's growth and financial stability. For a comprehensive list of available options, see our Funding Products page.

How is Capitalize Funding different from a traditional bank?

Traditional banks are built for low-risk borrowers with strong credit, long operating history, and time to wait. If you don't check every box, the process can drag out—or stop altogether.

We look at your business differently. Revenue, consistency, and how your business actually operates matter more than perfect credit or rigid requirements. That allows us to move faster and structure funding around real-world situations, not just what fits inside a bank's guidelines.

Is my business and personal information secure when I apply?

Yes. Your information is handled securely and only used for the purpose of evaluating your funding options.

We don't sell your data or pass it around unnecessarily. The information you provide is shared only with the parties involved in reviewing and structuring your funding—and always with confidentiality in mind.

How do I choose the right funding product for my business?

It starts with what your business actually needs—not just what's available.

We look at your revenue, timing, and how the funds will be used, then walk you through the options that make sense. The goal isn't to push a specific product—it's to find something that fits your situation and holds up after the deal is done.

Qualification

What are the minimum requirements for approval?

Our funding options are designed to be accessible for small businesses at various stages. While specific requirements vary by product, the basic qualifications typically include:

  • A minimum of 12 months in business
  • At least $20,000 in monthly revenue
  • No open defaults or active judgments

For more details on eligibility, visit our Check Eligibility page.

Can I qualify for funding if I have an existing position?

The short answer—yes. That's actually pretty common.

What matters is how that position is affecting your cash flow. We look at what you're currently paying, what's coming in, and whether adding something new makes sense—or if it's smarter to restructure what you already have. Sometimes the goal isn't more funding, it's fixing what's already there.

Is there a minimum credit score required to qualify?

No. And credit is not the main thing we look at.

Most approvals come down to your revenue. If the business is bringing in consistent deposits and the numbers make sense, you've got options. Credit can affect terms, but it usually doesn't decide whether you qualify in the first place.

Does my industry affect my eligibility for funding?

Yes, it can. But not as much as you might think.

We work with a variety of industries that banks won't touch. What matters more is how your business operates—how money comes in, how consistent it is, and whether the payments actually fit your cash flow. Industry matters, but it's not the whole story.


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Process

What is Capitalize Funding's process to apply for funding?

Our application process is streamlined and user-friendly. Get started by filling out a quick and easy Funding Application, found on our website. Following this, a dedicated funding advisor will reach out to you to discuss your needs and the available options. Once you've selected your offer, the funds are distributed directly to your bank account. The whole process can be completed within hours.

For a step-by-step walkthrough on the funding process, see our How It Works page.

What documents do I need to provide for a quote?

That depends entirely on the funding product. For a quick quote, we usually just need your most recent business bank statements and a short application. That's enough to get a realistic picture of your revenue and put numbers in front of you.

For more complex funding products, more documents may be needed. If you want a full breakdown of what might be needed depending on the situation, you can check out our Interactive Documents Checklist—it lays everything out clearly so there are no surprises.

Will applying for funding affect my personal credit score?

Initial reviews are based on your business performance, not a hard pull on your personal credit. In some cases, a credit check may come later in the process depending on the type of funding, but that's something we'll always walk you through before anything happens.

How quickly can I receive funding after I'm approved?

Speed is our specialty! Once your application is submitted and documents are reviewed, funding can be approved within hours. In many cases, funds are deposited into your account the same day. Timing depends on the product type, submission time, and required documentation.

Why wait to get started? Apply Now for a personalized funding offer and get funded today.


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Repayment

Are there penalties for paying off my funding early?

No. You can pay off your balance at any time with no prepayment penalties. And depending on how early you pay it off, you may qualify for prepayment discounts.

To see how much you could save by paying off early, check out our early payoff calculator.

Can I get additional capital before I've finished paying?

Yes, and that's a very common thing business owners do.

It takes money to make money. If there's an opportunity to grow, take on more work, or improve cash flow, it can make sense to bring in additional capital before the current position is fully paid off. The key is making sure it still works for your numbers—not just adding more on top without a plan.

What happens if the business has a slow revenue month?

This is exactly why funding structure matters.

With revenue-based funding payments, what you pay is tied to what you bring in. So if revenue dips, payments typically adjust with it. The goal is to keep things manageable during slower periods instead of locking you into something that doesn't move with your business.

Can I get additional capital as my business grows?

Yes. This is actually how many successful businesses utilize funding.

As your revenue grows, your options usually do too. Many businesses use funding in stages—starting smaller, then increasing access to capital as the business expands and the numbers support it. Growth opens the door, but the structure still has to make sense.


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Still Have Questions?

You can search our website below for information related to funding, or for more specific questions, contact us or schedule a consultation for personalized assistance.