Frequently Asked Questions.
General.
Apply in about two minutes online or over the phone. A real advisor prices your options across our lender network and walks you through them, usually within 24 hours. Pick the offer that fits, sign electronically, and the funds land in your account.
Usually, yes. Depending on your numbers, we can consolidate what you owe into one saner payment or fund alongside it. Bring your current statements and your advisor will map every exit.
The health of your business: time in business, monthly revenue, and steady deposits count more than a dented score. Checking your options is a soft pull, so finding out costs your credit nothing.
Nothing. Applying is free, seeing your options is free, and walking away is free. Every cost on an offer is in writing before you sign, every time.
Funding runs from $5K to $25M across our products, sized to your revenue and the move you are making. A few of our strongest rates ask for solid credit, but plenty of our products look at your revenue first. We will show you the realistic range for your file.
Term Loans.
One defined move: a big purchase, a buildout, an acquisition, or replacing expensive debt. You get one lump sum with one predictable payment, so the cost of the move is known from day one.
Options usually land within 24 to 48 hours of applying, and funding can hit your account in as little as 24 hours after you accept.
Term loans run from $5K to $25M, sized to your revenue and what the move calls for.
SBA Loans.
Terms stretch from 10 to 25 years at rates near Prime, backed by a government guarantee. Long runway plus low rates means the smallest monthly payment in small business lending.
A 650 minimum FICO. If you are under that today, your advisor will tell you exactly what changes the answer.
Typically 1 to 4 weeks, and we handle the paperwork start to finish so the file never stalls on your desk.
HELOC.
Up to 90% combined loan to value, turned into a revolving line of business capital. Draw what you need, repay, and draw again, paying interest only on what is out.
No. No appraisal, a soft credit pull to see your rate, and closings in as fast as 5 days.
A 620 minimum FICO, with terms from 5 to 30 years and no prepayment penalties.
Line of Credit.
Draw what you need, repay, and draw again. You only pay for what you use, and the line refills as you pay it back, so it is always on standby for the next move.
Lines run from $10K to $5M, sized to your revenue.
Options in as little as 24 hours with a soft credit pull, so checking costs your score nothing.
Equipment Financing.
Yes, new and used. We cover up to 100% of the cost and spread it over the working life of the equipment.
There is no minimum FICO. The equipment itself secures the financing, so lenders read the deal first and the score second.
Options in less than 24 hours, so the machine you need does not get sold to someone else while you wait.
Revenue Based Financing.
Funding sized 1 to 3 times your monthly revenue. Your sales do the qualifying, not your credit file.
There is no minimum FICO. Steady revenue is what gets priced, and options land in less than 24 hours.
Yes, and early payoff comes with discounts, so momentum is rewarded instead of penalized.
Let’s get in touch.
We are available for our client 24/7. If you need business funding, we can be reached here:
- Phone(800) 000-0000
- Emailinfo@highcardcapital.com