Frequently asked questions
Answers about applying, funding and repayment. Still have a question? Call (866) 451-9260.
Applying
How long does it take to apply?
About 10 minutes online. Have your last three months of business bank statements ready to upload, or call us and we’ll fill out the application with you over the phone.
Does it cost anything to apply?
No. Applying is free, and you’re under no obligation to accept an offer.
What do I need to apply?
Your last three months of business bank statements, a government-issued photo ID, your business tax ID (EIN) and some basic details about your business.
What credit score do I need?
It depends on the product. Some options look mostly at your business revenue rather than your personal credit. Your funding advisor will tell you which options you qualify for.
Funding and repayment
How fast can I get funded?
Many businesses receive funds within 24 hours of signing. Equipment financing usually takes a few days, and SBA loans take several weeks.
How do I repay?
It depends on the product. Loans and lines of credit have fixed daily, weekly or monthly payments. Revenue-based financing is repaid as a share of your sales.
Can I pay off early?
Many products allow early payoff, and some reduce your cost when you do. Your offer explains how early payoff works before you sign.
Can I get funding if I already have a loan or advance?
Often, yes. Share your current balances with your advisor so they can find options that fit, including combining what you owe.
Working with Natlus Capital
What can I use the funds for?
Almost any business purpose: inventory, payroll, equipment, marketing, renovations, expansion or getting through a slow season.
Which industries do you work with?
Most of them, including restaurants, retail, construction, trucking, healthcare, auto repair and professional services.
How do I talk to someone?
Call (866) 451-9260 or email accounts@natluscapital.com. You’ll be connected with a funding advisor who stays with you through funding.
Talk to a funding advisor
Get answers about your options with no obligation. We’ll explain every offer in plain language.