FAQ
Questions we are actually asked.
If the answer you need is not here, the fastest route is to send the file. A person reads it and comes back either way.
What size facilities do you write?
From $200,000 to $10,000,000, out to 18 months, for businesses operating in the United States with $3,000,000 or more in annual revenue.
Where a request falls outside those bounds we say so rather than working it into a structure that does not fit.
What do you need to look at a file?
Five things: the business, the request, the financials, the existing obligations, and — where the request is secured or asset-based — the collateral detail.
Send what exists. A missing tax return or an unaudited statement is a question to work through, not a reason to hold the file back.
How is pricing set?
On the file. Pricing, fees, advance rates and amortisation depend on the structure, the security and what sits ahead of us.
Whatever applies is set out in a written term sheet before anything is signed. Nothing is discovered at closing.
Why do you ask for bank statements rather than accepting a revenue figure?
Revenue tells us what a business earned. Deposits tell us what arrived, when, and what was already leaving the account.
Sizing works backwards from what a business can service each month after everything already in front of us, and only the statements show that.
Do you take submissions from brokers?
Yes. Independent sales organisations and brokers email files to the same desk owners use, and they reach the credit team rather than a queue.
Files are worked with the submitting party rather than around them. Contact with the borrower runs through the relationship that brought the file.
Will you lend behind existing positions?
It depends on what those positions consume and what their agreements permit, not on the count.
Where existing obligations have already absorbed the available capacity, the useful conversation is usually about consolidating what is in place rather than adding to it.
What happens after I submit?
A person reads the file and comes back with questions. Those questions are the underwriting.
If it fits, the conversation moves to structure and any terms are confirmed in writing. If it does not, you get a decline and the reason for it.
Is the estimator an offer?
No. It is illustrative only — not an offer, a quote, a pre-approval, or a commitment to lend.
It produces a rough upper bound from three numbers and a fixed assumption about term. It is not underwriting.
Do you hold the facilities you write?
Yes. Facilities stay on our own book rather than being originated for sale, so the structure has to make sense for the life of the paper.
It also means the relationship continues with the people who wrote it.
What industries do you read?
The operating economy: construction and trades, transportation and logistics, wholesale and distribution, light manufacturing, healthcare services, professional services, staffing, equipment rental, auto and fleet services, retail, hospitality and field services.
Restricted industries and sector-specific limits are confirmed on the file.
Do you lend outside the United States?
No. The business has to operate in the United States, the entity has to be domestic, and the operating accounts have to be domestic.
Are the structures on your site real transactions?
No. They are illustrative examples prepared to show how each product is put together.
They describe no specific borrower, contain no client information, and nothing in them is an offer or a commitment to lend.