Frequently Asked Questions

We’re a financial marketplace that use technology and our expert team of advisors to match business owners with the right lenders that can satisfy their capital needs.

We work with businesses across many industries including restaurants, retail, construction, healthcare, transportation, manufacturing, professional services, and many more. If you've been in business for at least 6 months and generate regular revenue, we'd love to talk.

Getting started is easy. Just complete our quick one-page electronic application and submit your most recent four months of business bank statements.

No! Our initial application uses a soft credit pull that does not impact your credit score. A hard pull may be required only after you accept an offer and move forward with funding.

Our online application takes about 5 minutes to complete. Once submitted, most applicants receive a decision within a few hours.

Our basic requirements are: at least 6 months in business, minimum $150,000 annual revenue, credit score of 500+, and an active business bank account. Even if you don't meet all criteria, we encourage you to apply as we evaluate each business individually.

We have a full team of experts that will guide you through and inform you what actions would be needed for the road towards an approval.

Application review through iAdvance Now does not require upfront payment. Any lender fees or costs will be disclosed in your offer documents before you sign.

We offer funding from $10,000 to $5,000,000 depending on your business needs and qualifications. The amount you qualify for is based on factors like annual revenue, time in business, and credit profile.

Most approved applicants receive funding within 24 hours of signing their agreement. Some may receive same-day funding depending on when the agreement is signed and their bank's processing times.

You can use the funding for virtually any business purpose: inventory purchases, payroll, equipment, marketing, expansion, renovations, debt consolidation, emergency expenses, or to seize a growth opportunity. It's your business – you decide how to use it.

We offer a full range of business financing programs. Many options do not require collateral, while certain programs may be collateral based in order to provide higher funding amounts or longer terms.

Yes—many clients come to us after a bank decline. Bank declines are often based on rigid criteria; alternative lenders may evaluate cash flow differently.

Most programs require at least 6 months in business and active revenue. Newer businesses may have fewer options and may need stronger bank activity or collateral-backed programs.