Our promises to every business owner
Applying for business financing can feel like a black box: you send your information and hear nothing. Here is exactly what happens with your file, and what we will and won't do.
- 01
No upfront fees
You never pay us to apply, to review your file, or to see an offer. If financing closes, the lender may pay us.
- 02
One lender at a time
We send your file to the one lender that fits best. It is never sent to a long list of lenders or sold to call centers.
- 03
You see why
We tell you which type of financing we picked for you and why, in plain English. No mystery.
- 04
You decide
You see the full terms before you sign anything. Saying no costs you nothing.
- 05
Your information stays private
Your documents sit in a private, locked upload room. We never sell your information. Files that don't move forward are deleted on a set schedule.
- 06
Honest answers
We never promise approval, a rate, an amount, or a timeline. Lenders make the final decision.
- 07
We tell you how we're paid
If financing closes, the lender usually pays our fee. We tell you that up front, and any fee you would pay is shown in the lender's terms before you sign.
- 08
Your file is your file
We never use your information to sell you something you didn't ask for, and we never share it with anyone except the one lender we match you with.
- 09
We fix mistakes fast
If something we told you was wrong or unclear, call or text us and our team will correct it.
- 10
Business financing only
We only help with financing for businesses — never personal or household loans.
Our Passion, Your Growth — in practice
Our passion is protecting your cash flow with honest math. Your growth means that if a financing option doesn't make sense for your business, we'll tell you plainly — even if that means not taking it. The choice is always yours.
Cash flow vs. personal credit
Bank statements demonstrate real monthly operational revenue, so lenders underwrite business health rather than relying purely on credit scores.
What many banks look at
- Tax returns, which often show lower profit after write-offs
- Personal debt compared with personal income
- Personal credit score
- Years of profitable history
What cash-flow lenders also weigh
- Your last 3–4 months of bank deposits
- How steady your monthly revenue is
- Cash on hand and existing payments
- Equipment, invoices or property that back the request
Credit still matters, and each lender sets its own rules. Approval is never guaranteed.
Why a prepared file matters
Research on commercial lending markets has found that experienced intermediaries help match borrowers with lenders that fit their situation (Garmaise & Moskowitz, "Informal Financial Networks: Theory and Evidence," Review of Financial Studies, 2003). That is our job: our team checks your file before it goes out, so the one lender who sees it gets the full picture the first time. Results vary, and approval is never guaranteed.
No black box: see where your file is
After you apply, your private upload link shows this tracker, so you always know what happens next. No login needed.
Where your file is
Application received — done
Your basic details are saved.
Bank statements — happening nowNow
Your last 3–4 months show how your business really runs.
Sent to one lender — coming up
We pick the one lender that fits best. Your file is never sent to many at once.
You review any offer — coming up
You see the terms before you agree to anything. No fee to you to apply.
Our funding team handles your file from start to finish. Questions? Call or text 1.877.977.3015 — Mon–Fri, 9 AM–5 PM ET.
Not an offer or approval. How we work
Trifecta Business Group is a commercial loan broker, not a lender. When you apply, you allow us to share your file with the one lender we match you with so they can review it.
Our Passion, Your Growth
Bring us the goal. We’ll help clarify the route.
