Straight answers before you apply
Qualifying, credit scores, documents, rates, timelines and privacy — answered plainly. If your question is not here, call us or start the application and ask as you go.
No hard credit pull to explore your options · no cost to apply · or call 1.877.977.3015
Our borrower standard
Borrower Protection Standards
One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
One advisor, one lender at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
Three steps from application to funded
Apply — about 3 minutes, plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes, plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lender at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Do I qualify?
Questions, Answered
Most programs look for at least 6 months in business, $10,000 or more in monthly revenue, and a business bank account. Requirements vary by program: factoring leans on your customers' credit, equipment finance leans on the asset, and SBA looks hardest at your overall file. With our lending partners, there is usually a program that fits. Invoice factoring →
Programs start in the 500s. Scores of 650 and up open more options and better pricing, and 720+ reaches the lowest available rates. Below 600 you still have real options through revenue-based financing, factoring and merchant advances, which weigh deposits and receivables more heavily than score. Invoice factoring →
Often yes. Several partners fund at 6 months with consistent deposits. Under 6 months, the strongest paths are equipment financing, invoice factoring and purchase order funding, because the asset or the invoice carries the risk rather than your operating history. Invoice factoring →
No. A decline from one bank tells us that bank's credit box did not fit — not that your business is unfundable. We match your file against our lending partners with different appetites, which is the entire point of applying once through a broker instead of shopping bank to bank. If the bank turned you down →
How the process works
Questions, Answered
Basic intake — business details, ownership structure, annual revenue and contact information — takes about 3 minutes, plus upload. Upload documents whenever you're ready — no rush, no login required. AI Autofill lets you upload documents or add notes inside a section to fill it in much faster. Document checklist →
Your private upload link opens only after you enter a six-digit code we email to you — no password or account needed, and the device stays unlocked for 24 hours. Inside the room, “Hand off to my CPA” lets you authorize your accountant or bookkeeper by name and email. They get their own branded secure link, verify with a code sent to their email, and see only the upload slots — not your application, ID, or contact details. Every authorization is time-stamped on your file. Document checklist →
Working capital, lines of credit, merchant advances and revenue-based programs can fund in as little as 24 hours after approval. Equipment and factoring typically take a few business days. SBA and commercial real estate run weeks because of the underwriting depth that earns you the lower rate. Invoice factoring →
Three months of business bank statements cover most fast programs. Larger requests add business tax returns, a year-to-date profit and loss, a debt schedule, and program-specific items such as an equipment quote, an invoice aging report, a purchase order, or a franchise agreement. Purchase order funding →
The initial review requires no hard credit pull, which does not affect your score. A hard inquiry only occurs later if you choose to move forward with an offer that requires one.
What it costs
Questions, Answered
Nothing to apply and no obligation to accept an offer. Pricing depends on program and profile: SBA and real estate carry the lowest rates, term loans and lines sit in the middle, and speed-focused products like merchant advances price highest because they fund fastest with the least documentation. Merchant cash advances →
A factor rate multiplies the amount funded — $50,000 at 1.30 means $65,000 back — while APR annualizes cost over time. A short repayment window makes a modest-looking factor rate expensive in APR terms. Our guide on factor rate versus APR walks the math with real numbers. Factor rate vs APR, explained →
It depends on the program and the partner. Many term loans and lines allow early payoff with reduced interest; some advance products discount the payback if you settle early, and others do not. We flag the payoff terms before you sign anything.
No fee to apply and no cost to review your options. If financing closes, Trifecta may be compensated by the financing provider. Any fees tied to a specific funding offer are disclosed in that offer's terms before you accept it.
Your information
Questions, Answered
Only the lending partners matched to your specific request. Applications and documents transmit over 256-bit bank-grade TLS encryption, and we never sell your data. Document checklist →
No. You are contacted about the request you submitted — not sold into a marketing list. You can tell us your preferred contact method and time, and you can opt out of calls or texts at any time.
Yes, and you should. One application covers everything we place, so you can compare a line of credit against a term loan or factoring side by side instead of running separate applications. Invoice factoring →
See which funding options you qualify for
Four quick questions. No hard credit pull, no documents, no phone call to get started — just a clear read on where your business stands against our lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Three steps from application to funded
Apply — about 3 minutes, plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes, plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lender at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Still deciding? Check what you qualify for first.
No hard credit pull and an intake that takes about 3 minutes, plus upload separately tell you where you stand — no hard inquiry, no obligation.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review involves no hard credit pull to explore your options.
Prefer to talk it through? Call 1.877.977.3015
⚠ Important Financial Disclosures & Legal Compliance Notice
Informational & Analytical Purposes Only: All interactive calculators, estimation tools, text graphics, and software models provided on this landing page are intended exclusively for illustrative, informational, and preliminary analytical business budgeting purposes. Calculations, potential returns, interest factors, cash advances, and loan payment projections displayed by these tools are theoretical mathematical simulations based on user input parameters and do not represent verified financial advice, binding legal agreements, guaranteed contract conditions, or an official commitment or offer to extend commercial credit or financing.
Underwriting & Credit Approval Profiles: Actual funding approvals, transactional factor rates, loan-to-value (LTV) limits, advance distribution margins, loan durations, and legal terms fluctuate dynamically based on rigorous independent underwriting evaluation criteria. These evaluations include, but are not limited to, verifiable historical business cash flow structures, bank deposit frequencies, corporate merchant credit score, time in operation, asset evaluations, industry risk profiles, and macroeconomic market constraints. Not all applying business entities or applicants will satisfy standard criteria or qualify for peak premium advertised funding limits, rates, or programs.
Commercial Lending Limitation: The products, alternative capital options, and commercial services outlined on this website are explicitly designed for commercial, business, operational expansion, and investment purposes only. These services are completely prohibited from being utilized for personal, family, home residential consumer mortgage financing, or household consumption use.
© 2026 Trifecta Business Group, LLC. All rights reserved. Translate-IQ™, Capital Pulse™ and The Breakthrough Process™ are trademarks of Trifecta Business Group. Automated scraping or reproduction of site content and tools is prohibited. Alternative commercial funding structures and loan products may be issued, processed, or backed through our lending partners. Rates, structural terms, and operational program limits are subject to modifications or suspension at any time without advance written notification.