Frequently Asked Questions

We work with small to mid-sized businesses across all industries throughout the United States. Whether you're a startup, established business, or growing enterprise, we help match you with the right capital solution. Common industries include retail, restaurants, construction, healthcare, professional services, manufacturing, and more.

Funding speed varies by product type:

• Merchant Cash Advance: 24-48 hours
• Business Term Loans: 1-3 days
• Line of Credit: 2-5 days
• Equipment Financing: 2-5 days
• SBA Loans: 30-45 days
• Commercial Real Estate: 25-40 days

We prioritize speed while maintaining thorough due diligence to ensure you get the right solution.

Basic qualification requirements include:

• At least 6 months in business
• Minimum $10,000 in monthly revenue
• Credit score of 500 or higher
• No active bankruptcies
• U.S.-based business

Specific requirements vary by product. We evaluate each application holistically, considering your business's cash flow, growth trajectory, and industry.

No. Requesting an initial quote or estimate does not affect your credit score. We perform a soft inquiry to provide preliminary options. A hard credit pull only occurs when you decide to move forward with a formal application, and we'll always notify you before that happens.

A Merchant Cash Advance (MCA) provides a lump sum upfront in exchange for a percentage of your future credit card sales. Unlike traditional loans:

• Repayment: Based on daily sales, not fixed monthly payments
• Speed: Funding in 24-48 hours vs. weeks
• Qualification: Based primarily on sales volume, less emphasis on credit score
• Flexibility: Payments adjust with your revenue (more sales = faster payback, slow days = lower payments)

MCAs are ideal for businesses with consistent credit card transactions needing fast, flexible capital.

A Business Line of Credit provides revolving access to capital, similar to a credit card. You're approved for a maximum credit limit (typically $10,000-$250,000), and you can draw funds as needed. You only pay interest on the amount you use, not the total available credit.

As you repay, the credit becomes available again for future use. This makes it ideal for managing cash flow, covering short-term expenses, or handling seasonal fluctuations.

Yes, in most cases. Common uses include:

• Working capital and cash flow management
• Inventory purchases
• Equipment and machinery
• Marketing and expansion
• Hiring and payroll
• Renovations and improvements
• Debt consolidation

Some products like Equipment Financing and Commercial Real Estate loans have specific use requirements. We'll discuss the best fit for your needs during consultation.

Funding amounts vary by product and your business qualifications:

• Merchant Cash Advance: $5,000 - $500,000
• Business Term Loans: $10,000 - $5 Million
• Line of Credit: $10,000 - $250,000
• Equipment Financing: $10,000 - $5 Million
• Invoice Factoring: $100,000+
• Commercial Real Estate: $250,000 - $10 Million

The exact amount depends on your revenue, credit profile, time in business, and specific needs. Use our calculator on the homepage for an instant estimate.

Basic documentation typically includes:

• Driver's license or ID
• 3-6 months of business bank statements
• Voided business check
• Business formation documents (if applicable)

Additional documents may be requested depending on the product type and loan amount. For SBA loans and larger amounts, we may need tax returns, financial statements, and business plans. We'll guide you through exactly what's needed.

As a loan brokerage, we earn a commission from the lenders we work with when we successfully place a loan. This commission is built into the lender's pricing and does not cost you anything extra. Our model aligns our interests with yours—we succeed when you get funded with the right solution.

There are no upfront fees or application costs. You only work with us if you accept a funding offer.

Yes. While credit score is a factor, we evaluate applications holistically. Many of our products focus on your business's cash flow and revenue rather than personal credit alone. We've successfully helped businesses with credit scores as low as 500.

Products like Merchant Cash Advances and Invoice Factoring are particularly accessible for business owners with credit challenges. We'll work with you to find the best available options.

Here's our streamlined process:

• 1. Initial Review (24 hours): We review your application and documents
• 2. Consultation: We discuss your needs and present tailored options
• 3. Lender Submission: We submit to our network of vetted capital partners
• 4. Offers: You receive funding offers with clear terms
• 5. Your Decision: Choose the offer that fits best—no pressure
• 6. Funding: Once accepted, funds are deposited directly to your account

We keep you informed at every step and are available to answer questions throughout the process.

Absolutely not. Receiving a funding offer creates no obligation. We present you with options, explain the terms clearly, and you decide if any offer is right for your business. There's no pressure and no hidden costs for declining.

Rates vary significantly based on the product, loan amount, term length, and your business profile. Generally:

• SBA Loans: Lowest rates, typically 6-10% APR
• Term Loans: 8-30% APR depending on term and qualifications
• Lines of Credit: 10-25% APR on drawn amounts
• Merchant Cash Advances: Factor rates typically 1.15-1.40

Every offer includes clear, transparent pricing with no hidden fees. We'll explain all costs upfront so you can make an informed decision.

It depends on the product and lender. Many of our funding options allow early repayment without penalties, though some may have minimal early payoff fees. We always disclose prepayment terms clearly in the offer so there are no surprises.

No. There are no upfront fees, application fees, or out-of-pocket costs to work with CFN Capital. Our compensation comes from the lenders we partner with, and it's already built into the pricing you see. You pay nothing unless you accept and receive funding.