Question 1

I don't have good credit. Can I apply?

Accepted Answer

Bad credit? Yes, you may still qualify for business funding.At Valiantis Capital Funding, we work with a network of 80+ lenders and welcome business owners with credit challenges to apply.Whether you need working capital, expansion capital, equipment financing, or funds to keep your business moving, we’ll help you explore your available options.500+ credit scores are welcome to apply. Approval depends on your overall business profile and lender requirements.Don’t count yourself out before you explore your options.

Question 2

What are the qualifications?

Accepted Answer

Typical min. requirements: 3-4 months Business Bank Statements12 months Time in Business (3 month minimum for Equipment financing)500+ Credit Score$120k/year ≈ $25k/month in revenueStartup loan requirements:700+ Credit score on 2 of 3 bureaus.5+ Active revolving accountsHistory of installment loansLess than 3 inquires in the last 6 months on each bureau40% credit utilization or lessVerifiable income (taxes, pay stubs, w2, etc.)

Question 3

What is a merchant cash advance?

Accepted Answer

A Merchant Cash Advance (MCA) is a type of business financing where a company receives an upfront lump sum of cash and pays it back through a portion of future business revenue.Simple exampleSay a business receives $50,000.Advance: $50,000Total payback: $65,000Payback amount: $15,000 in financing costPayments might be made daily or weekly, depending on the agreement.Unlike a traditional loan, an MCA is typically structured as a purchase of future receivables, rather than a loan with an interest rate.Why businesses use MCAsThey can be attractive when a business:Needs capital quicklyHas limited time in businessHas less-than-perfect creditHas strong, consistent revenueDoesn't qualify for conventional bank financing

Question 4

When is the right time to take out a merchant cash advance?

Accepted Answer

The right time to consider a merchant cash advance (MCA) is usually when a business has a short-term need for capital, consistent revenue to support the payments, and limited access to cheaper financing.Good situations can include:A time-sensitive opportunity: You need inventory or capital now to fulfill a profitable order.A temporary cash-flow gap: Revenue is strong, but timing is creating a short-term working-capital problem.Fast funding is critical: Waiting weeks for traditional financing could mean missing an opportunity.Credit is less than perfect: An MCA may be available when conventional financing isn't.The business has predictable revenue: You can comfortably handle the repayment structure without putting essential operating expenses at risk.The cost makes economic sense: The expected benefit from the capital is reasonably greater than the total financing cost.
When I would not recommend oneIf the business is already struggling to cover payroll, rent, suppliers, or existing debt payments, adding an MCA can make the situation worse because of its frequent repayment obligations.Also, if you qualify for a lower-cost bank loan, SBA financing, business line of credit, or A/R facility, those may be worth considering first.Simple rule: Don't take an MCA just because you can get one. Take it when the capital has a clear purpose, the repayment fits comfortably into cash flow, and the expected return or business benefit justifies the cost.

Question 5

What would make an accounts receivable loan attractive?

Accepted Answer

An accounts receivable (A/R) loan or line of credit can be attractive because it lets a business turn unpaid invoices into working capital instead of waiting 30, 60, or 90 days for customers to pay.Key advantages:Improves cash flow: Get access to money tied up in outstanding invoices.Can be cheaper than an MCA: Depending on the structure and borrower, A/R financing may have a lower cost than revenue-based financing.Leverages existing sales: Financing is based largely on eligible receivables rather than relying solely on the owner's personal credit.Useful for B2B businesses: Particularly attractive when customers are established companies with strong payment histories.Helps fund growth: Businesses can use the capital for payroll, inventory, new orders, or operating expenses while waiting for invoices to be paid.Can grow with the business: With a revolving A/R facility, borrowing capacity may increase as eligible receivables increase.Example: A company has $500,000 in outstanding invoices that won't be collected for another 60 days. Instead of waiting two months, an A/R financing provider might advance a percentage of those eligible invoices, giving the business working capital now.The main thing to watch is the true cost, advance rate, fees, reserves, and what happens if customers pay late or don't pay. Not all A/R financing products are structured the same way.

Question 6

Do you finance equipment?

Accepted Answer

Yes!Need equipment to start, expand, or keep your business moving? Yes, we offer equipment financing options.We work with 80+ lenders and welcome business owners with a variety of credit profiles, including those with 500+ credit scores.Whether you need machinery, technology, or other business equipment, we can help you explore your financing options.Have questions? Reach out or apply today.

Question 7

What documents do I need to apply?

Accepted Answer

We usually ask for basic business information, recent bank statements, and owner identification. In some cases, we may request additional financial documents to complete the review.

Question 8

What types of businesses do you fund?

Accepted Answer

We work with a wide range of small and mid-sized U.S. businesses. Eligibility depends on factors like revenue, time in business, and overall business performance.

Question 9

How do repayments work?

Accepted Answer

Repayment depends on the funding product you choose. Some options are repaid through daily or weekly payments, while others use a fixed installment schedule. We explain the terms clearly before you accept anything.

Question 10

How fast can I get funded?

Accepted Answer

Many applicants receive a decision in as little as 24 hours. If approved, funding can move quickly once we have the needed documents and review is complete.

Question 11

What can I use the funding for?

Accepted Answer

You can use business funding for working capital, payroll, inventory, equipment, marketing, expansion, or to help smooth out cash flow gaps.

Frequent Asked Questions