Frequently asked questions.

Pro Funding Options is a business funding marketplace. We match U.S.-based small and mid-sized businesses with lenders, factoring companies, and equipment financiers from our network. You apply once and we surface every product you qualify for — line of credit, term loan, SBA, MCA, equipment financing, working capital, and more.

No. We’re a marketplace. The actual loan or financing is provided by the lender we match you with. That separation is what lets us surface multiple offers across multiple products from one application.

Nothing. There is no fee to apply, no fee to get matched, and no fee to compare offers. Pro Funding Options is paid by the lender we connect you with, not by you. You only ever pay the lender’s rate or fee on the product you choose — and we tell you exactly what that is before you accept anything.

No. Pre-qualification uses a soft credit check, which doesn’t impact your score. A hard inquiry only happens if you choose to move forward with a specific lender’s formal offer.

Minimums vary by product. As a baseline, most lenders in our network look for: at least 6 months in business, $10K–$15K minimum monthly revenue, and a personal credit score of 500+. SBA and bank-grade products require stronger profiles; merchant cash advances and revenue-based products work with weaker profiles.

For most products: a completed application, government-issued ID, voided business check, and the most recent 3–6 months of business bank statements. SBA loans require more (tax returns, financial statements). We tell you exactly what each lender needs before you submit anything.

Pre-qualification: 2 minutes online. Initial offers: same business day or next. Funding: 24 hours for merchant cash advances and short-term working capital, a few days for lines of credit and term loans, 30–90 days for SBA loans.

Yes. Many lenders in our network specialize in cash-flow-based underwriting that looks at your business’s revenue more than your personal credit score. We won’t pretend bad credit doesn’t matter — it limits options and raises rates — but it doesn’t disqualify you. See our Bad Credit Business Loans page.

Most products require at least 6 months of business operations. Newer startups have fewer options — primarily personal credit-based lending, equipment financing, or SBA microloans. We’ll tell you honestly whether your stage fits the products we can offer.

The right product depends on what you’re funding, how fast you need it, and how predictable your cash flow is. Line of credit for ongoing flex; term loan for a specific one-time project; SBA for long-term growth at the lowest rate; equipment financing for equipment; merchant cash advance when you need money this week and have card sales. We walk you through the fit on a 10-minute call.

Rates vary enormously by product, profile, and term:

• SBA loans: ~prime + 2.75% to prime + 4.75%
• Bank-grade term loans: 7%–15% APR
• Lines of credit: 8%–25% APR
• Working capital and short-term loans: 1.15–1.45 factor rate
• Merchant cash advances: 1.15–1.50 factor rate

We surface the actual offer from the actual lender — not estimates — before you commit.

Yes, but be careful. Stacking multiple advances simultaneously is the most common cause of small-business cash-flow failure. We’ll never push you to stack — if you already have an open advance, we’ll usually recommend paying it down before adding more debt.