Business Funding: Frequently Asked Questions

Most owners complete the online application in under 3 minutes, receive a personalized offer within hours, and, after accepting and signing the funding agreement, see a transfer initiated to their business bank account the same day. Exact timing depends on when you accept and your bank's processing schedule.

No. Checking your funding options is free, carries no obligation, and has no effect on your personal credit rating. If a credit check is ever required before final funding, we tell you before it happens.

A U.S.-based business with an active business bank account and consistent monthly revenue. We review your last 4 months of business bank statements and your time in business. Funding partners generally look for at least 6 months in business and roughly $10,000+ in monthly sales. Below that, still apply; we may have options. Imperfect credit is considered.

Funding can range from $10,000 up to $6 million, based on your monthly revenue and the overall health of your business; amounts are not guaranteed. Use the free funding calculator for a directional estimate: our online tools estimate up to $500,000, so call (855) 393-7449 to discuss larger requests. Checking your options never affects your credit.

It depends on the product and your business profile: merchant cash advances are priced with a factor rate, while term loans and lines of credit use interest. There's no fee to apply or to check your options, and every figure is spelled out in your agreement before you sign. Model how payments scale with the free funding calculator.

To start: just the 3-minute online form. To finalize most offers: your last 4 months of business bank statements, submitted through our encrypted Secure Data Upload Center. Some products may need basic legal documents like a business license.

Working capital advances, merchant cash advances (revenue-based financing), invoice factoring, term loans, and business lines of credit, arranged through our network of funding partners. See them compared side by side.

No. Forwardfy Capital LLC is a business financing broker, not a lender or bank. We arrange working capital advances, merchant cash advances, invoice factoring, term loans, and lines of credit through our network of funding partners, so one application can produce multiple offers to compare.

No. An MCA is a purchase of future receivables, not a loan. You receive a lump sum now in exchange for a fixed amount of future revenue, typically collected as small daily or weekly payments. Your agreement spells out every figure before you sign.

Yes. We evaluate the current health of your business (deposits, revenue, and momentum) rather than relying solely on credit scores. See our Capital for Bad Credit program for how it works.

Virtually all U.S. small businesses, with specialist programs for construction, HVAC, and medical practices, plus a dedicated funding guide for women-owned businesses. If your industry isn't listed, apply anyway: odds are we've funded it.

It depends on the product: term loans follow a fixed schedule; lines of credit charge on drawn funds; revenue-based products collect a small fixed amount each banking day or week. Use our free funding calculator to see how payments scale with amount and term.

Call (855) 393-7449, Monday through Friday, 9:00 a.m. – 8:00 p.m. ET, or email Info@ForwardFy.com. Real, U.S.-based experts: no phone trees, no offshore scripts.

Yes. Applications and document uploads travel over an encrypted connection, and your information is shared only as described in our Privacy Policy. Bank statements go only through the Secure Data Upload Center, never plain email.

You'll hear it straight, with the reason why, and where possible, what would change the answer, whether that's a couple more months of deposits or a different product structure. There's no application fee and no obligation either way.