Questions, answered straight.

We purchase a fixed amount of your business's future revenue at a discount. You receive a lump sum today (say, $50,000) and remit an agreed total amount (say, $72,500) through small automatic daily or weekly payments over the following months. The total never grows — it's fixed on day one.

No. It's a commercial transaction — a purchase of future receivables — not a loan, so there's no APR and no compounding interest. You know the exact total payback amount before you sign, and it never increases.

No. We use a soft credit inquiry, which does not affect your score. Your bank statements — how your business actually runs — matter more to us than your credit score.

A short application and your last four months of business bank statements. That's it for most decisions. The application takes about ten minutes.

Decisions typically come back within hours of a complete application. Once you accept, funds are wired — as fast as the same business day.

One fixed payback amount, stated in your offer before you sign. No origination surprises, no hidden fees, no compounding. And if you pay off early, you pay less — we discount the payback for early payoff.

Yes. We underwrite the health of your business — deposits, cash flow, time in business — not just the owner's score. We regularly fund owners with credit scores in the 500s.

That's the plan. Once you've paid down roughly half of your balance, you're typically eligible to renew — usually for more capital at better pricing, because you've become a proven partner rather than a new applicant.

It's how this industry states cost. A factor rate of 1.45 means you remit $1.45 per $1 funded — so $50,000 at 1.45 is $72,500 total, fixed. Some funders hide behind the jargon; we quote the total dollar payback right on your offer, so you never have to do the math.

Talk to us — early. Your payment was sized to your revenue when we underwrote the deal, and if your business hits a rough patch we'd rather work with you than watch you struggle. Funders who work with their merchants through a slow month are the reason renewals exist.

No — we don't take real-estate collateral. Like most commercial funders, we file a standard lien on business assets (called a UCC filing), and your offer spells out exactly what's secured before you sign.

Often, yes. We regularly fund businesses with an existing position, as long as the combined payments stay affordable for your cash flow. Total affordability is the test — not the number of advances.

Not yet. We look for about a year of operating history and real revenue flowing through a business bank account. If you're newer than that, check back when you have the track record — we'd love to grow with you.

Email matt@standbycapital.com with "ISO" in the subject and we'll get your agreement in place. See the Partners page for how we work with brokers.