Frequently Asked Questions

Fast Finance acts as a financing concierge for business owners. We learn what you’re trying to do (buy equipment, fund a project, buy real estate, cover working capital, etc.), then introduce you to funding partners whose programs match your situation.

We’re not a single lender with one product. Instead, we help you compare **multiple options** so you can choose the structure that fits your cash flow and plans.

Most clients follow a simple 4–step path:

• 1. Quick conversation or form. You share the basics: use of funds, amount, revenue, time in business.
• 2. Matching & rough options. We outline which products are likely to fit (term loan, line of credit, equipment, SBA, etc.).
• 3. Documentation & proposals. You provide recent bank statements and any project details; funding partners issue terms.
• 4. Choose and close. You pick the option you like, finalize underwriting, and get funded directly from the lender.

It depends on the product and how quickly paperwork comes together:

• Working capital / MCA / some lines of credit: As fast as a few business days after approval.
• Equipment financing and smaller term loans: Commonly 3–10 business days.
• Commercial real estate & SBA loans: More involved; often several weeks to a few months.

We’ll always help you match the timeline to your situation—fastest options for urgent needs, and more in-depth options when you’re planning ahead.

No. The goal is to give you clarity. You can use the information to move forward now, plan for the future, or decide that staying put is best for the moment. You stay in control the whole way.

There isn’t one single number because different products look at different things:

• Working capital / revenue-based options: Often more flexible on credit, but look closely at recent revenue.
• Equipment, lines of credit, and term loans: Generally prefer stronger personal and/or business credit.
• SBA & CRE loans: Typically expect solid credit along with good financials and collateral.

If you’re not sure where you stand, we can talk through realistic options based on your current credit and revenue.

Yes, in many cases. Startup options are more limited than for long-established businesses, but we do work with:

• Startup-friendly funding based heavily on the owner’s personal credit and income.
• Equipment financing where the asset itself supports the approval.
• Franchise and SBA programs for certain owner-operators and brands.

If you’re under 2 years in business or pre-revenue, see our Startup Funding page and then reach out to talk through your situation.

Past challenges don’t automatically disqualify you. Many revenue-based working capital and some equipment programs are designed to look beyond a single credit score and focus on:

• Current revenue and cash-flow trends.
• Stability of your business deposits.
• Collateral strength (for equipment- or asset-backed options).

We’ll be honest about what’s realistic now and what steps can help you qualify for better options down the road.

It depends on the type and size of funding, but commonly you can expect:

• For most products: Recent business bank statements (usually 3–6 months).
• For larger loans: Business tax returns and basic financial statements (P&L, balance sheet).
• For equipment: Equipment quote or invoice and basic business info.
• For AR / PO financing: Invoices, purchase orders, customer lists, and aging reports.
• For real estate & SBA: Property info, leases, project summaries, and personal financials.

We’ll give you a simple checklist once we know which products are the best fit.

For many small and mid-sized businesses, yes. Lenders often review both business performance and the financial strength of the owners—especially for SBA, term loans, and some lines of credit.

For more transactional products (like some working capital, AR, and equipment financing), the focus is more on business revenue, deposits, and collateral, with more limited personal information.

Rates and total cost vary widely by product, term length, and risk. As a general rule:

• Lower cost, more documentation, longer timelines: SBA, CRE loans, some bank-style term loans.
• Middle of the road: Many equipment loans, non-SBA term loans, and some lines of credit.
• Highest cost, fastest access: Revenue-based working capital and MCA-style products.

Our job is to help you see the real monthly impact and total cost of each option so you can decide if the tradeoff makes sense.

Instead of just looking at the headline rate, we’ll help you compare:

• Payment amount and frequency (daily vs. weekly vs. monthly).
• Total amount repaid over the life of the facility.
• Impact on cash flow in your slowest months, not just your best months.
• Flexibility (revolving vs. fixed, prepayment options, etc.).

The right choice is usually the one that supports your plans without stretching your cash too thin.

If you’re mainly managing ups and downs in cash flow and smaller, recurring needs, a business line of credit is often the most flexible starting point.

If you’re planning a specific project or expansion, a term loan, SBA loan, or equipment financing may be a better match.

For urgent, short-term needs, working capital products can be useful tools when used intentionally.

In many cases, yes. Term loans and SBA loans are often used to refinance higher-cost short-term debt into a more manageable schedule. We’ll help you run the numbers to see if a refinance actually improves your monthly cash flow and total cost.

We help with a broad range of options, including:

• Lines of credit and term loans
• Working capital / MCA-style funding
• Equipment financing
• Accounts receivable financing and purchase order financing
• Commercial real estate and bridge / fix & flip loans
• Startup and franchise-specific funding paths

The right structure depends on what you’re financing: cash flow, equipment, real estate, invoices, or a specific transaction.

You share your information with Fast Finance once. We use that to:

• Help you narrow down which products and partners make sense.
• Prepare and package your information in a way funding partners can use quickly.
• Coordinate next steps so you’re not repeating yourself to multiple lenders.

Funding itself comes directly from the lenders or finance companies we introduce you to.

In many cases, Fast Finance is compensated by the funding partners we work with when a transaction closes. That allows us to spend time helping you compare options without charging upfront consulting fees to review your situation.

We’re transparent about how any specific structure works so you can make an informed decision.

Absolutely. You’re free to explore options wherever you choose. In fact, many clients use Fast Finance to:

• Compare non-bank and SBA options alongside what their bank is offering.
• Cover short-term needs while pursuing longer-term bank financing.
• Structure deals that their current bank may not have an appetite for.

A simple first step is to tell us:

• What you’re trying to accomplish (and by when).
• Roughly how much you think you’ll need.
• Where your monthly revenue is today.

From there we can quickly narrow the list to a few funding paths that make sense and outline what each would look like. You can start by filling out the brief form on our Apply / Contact page or by reaching out directly.