Who we fund
Built for established Georgia businesses
We fund Georgia businesses with 12 months or more in business and a steady history of card sales.
A good fit usually means
- ✓A Georgia-based business
- ✓12 months or more in business
- ✓Steady monthly card sales
- ✓No open advances, or advances that will be paid off at funding
Our promise
We don't stack.
We fund in first position only. If you have an existing advance, it generally needs to be paid off at funding. We fund your business, not your next advance.
How we decide
Smart Underwriting, Built Around Your Business
We look at the whole picture, not just one or two numbers. Our proprietary model does the heavy lifting, so applying stays quick and easy. Our team takes the time to understand your business, and we fund you directly, never through brokers. Here's what that means for you:
WHAT OUR MODEL DOES
WHY IT MATTERS TO YOU
Weighs dozens of factors across your whole business
A full picture of your business, not a snap judgment on one number
Focuses on cash flow, not just your credit score
Personal credit matters, but it is a small part of the decision; how your business performs matters most
Measures your true revenue
Transfers, refunds and loan proceeds aren't counted as sales, so offers reflect what your business really earns
Sizes every offer three different ways and uses the most conservative result
You get an amount your business can carry, not the biggest number we can justify
Checks that payments fit your margins, not just your sales
Repayment leaves room to run and grow your business
Tests your offer against a slower sales period
We plan for slow months before they happen
Caps how long any advance runs
Every advance is sized to finish in about nine months or less
Prices by risk grade
Stronger businesses earn lower factor rates and more time to finish
Funds in first position only
We never add to a stack of existing advances
Pairs the model with a real person on every file
Exceptions are reviewed by senior leadership, not an algorithm alone
Sound like your business?
Find out in about five minutes.