Frequently asked questions

No. The eligibility check uses the information you give us and, where a lender needs it, a soft credit inquiry. A hard inquiry only happens if you choose to move forward with a specific offer.

It depends on the product. Working capital, lines of credit and several other products can fund the next business day once the file is complete. Term loans and equipment financing typically take a few days. SBA and real estate loans take 30 to 90 days.

To check eligibility, only the basics: what you need, what it is for, your industry, time in business and monthly revenue. To fund, most products need 3 to 6 months of business bank statements and a short application. SBA loans need tax returns and financial statements.

No. Capital Ally is a referral partner to lenders and financing providers. We review your request, introduce you to the lenders in our network that fit, and walk you through the trade-offs. The lender makes the credit decision and provides the financing. You choose, and you can walk away at any point.

There is no fee to check eligibility or to receive offers. Capital Ally may receive a referral fee from the lender when financing closes; where the law requires it, that compensation is disclosed to you before you sign.

Your business must be located in the United States, and the beneficial owner must be a U.S. citizen, U.S. national or lawful permanent resident. Beyond that, you need to have been in business for more than six months with positive cash flow. Some products, such as SBA loans, have their own longer history requirements set by the lender.

Often, yes. Working capital, invoice factoring and ecommerce funding weigh revenue and deposits more than personal credit. Stronger credit unlocks lower-cost products, and we will tell you what would move you into that range.

Businesses under six months old have fewer options, but not none. Equipment financing, gig and 1099 funding and, for homeowners, a HELOC can work. We are honest when the answer is to come back in a few months.

Nearly all of them: construction, healthcare, manufacturing, logistics, retail, restaurants, professional services, technology, real estate and ecommerce among others. A few industries are restricted by lenders, and we will say so up front.

Usually two to four that genuinely fit, not a wall of options. We compare across our lender network and present the ones worth your time, with the total cost of each spelled out.

Yes. Consolidating daily-payment advances into a term loan or an SBA loan is one of the most common requests we handle and often cuts the monthly outlay substantially.

The lender completes final verification, you sign electronically, and funds are sent to your business account. Your specialist stays on the file until the money lands.