Resources
Common questions. Straight answers.
Everything owners ask about applying, funding timelines, payments, and managing your account. Jump to: Application process · Funding process · Financing products · Managing my account · Portal support.
Application process
Q01What are the minimum requirements to apply?
Three things: 3 months in business, 3 months of business bank statements, and $10,000 in monthly revenue.
Q02What documents do I need to upload?
Your 3 most recent business bank statements, a completed application, a voided check for your business bank account, and a government-issued ID. See the full document checklist.
Q03Will a low credit score hurt my chances of approval?
A lower score may limit your options, but we can still help facilitate financing. Many programs weigh revenue, deposits, and time in business more heavily than credit score — see our 650 credit score guide.
Q04I prefer not to take phone calls. Can I text instead?
Yes — texting is available. You'll also get a dedicated account manager for personalized service throughout the process.
Q05Is there a referral program?
Yes. Compensation exists for referred clients who receive financing, varying case by case. Contact us for details.
Q06How do I apply?
Start with the 60-second form, or go straight to the full application portal at smallbyzloans.submissioncrm.com/application.
Q07How do I check my application status?
Log into your portal at smallbyzloans.submissioncrm.com. Status updates can take up to 2 business days.
Q08Can I substitute something else for business bank statements?
No. Personal statements, tax returns, or receipts cannot substitute for business bank statements.
Funding process
Q01How fast will I receive approved funds?
An estimated 24–72 hours after documentation is received and reviewed, depending on the product and funding partner. See real funding timelines by program.
Q02Does the short form affect my credit?
No. Submitting the short form uses a soft check only, which does not affect your credit score. If you continue into a full application, lenders may perform credit checks as part of underwriting.
Q03Do you guarantee approval?
No. Avoid anyone who promises guaranteed approval. Approval, amount, rate, repayment, and terms depend on lender underwriting and applicant information.
Financing products
Q01What products do you offer?
We specialize in short-term financing and offer revenue based financing, business term loans, working capital, equipment financing, SBA loans, real estate financing, lines of credit, and accounts receivable financing.
Q02What payment schedules are available?
Daily, weekly, bi-weekly, and monthly payment options, depending on the product and qualification.
Q03What's the maximum loan term available?
Terms run up to 25 years where applicable, depending on the product.
Q04Do you fund startups?
No — we require at least 3 months in business — though some of our partners assist startups.
Managing my account
Q01When are payments due?
Timing depends on your approved structure. Daily payments typically begin the next business day; weekly payments typically begin within a week plus one day.
Q02Is there a prepayment penalty?
No. Early payoff discounts may even be available depending on the funding partner.
Q03Are monthly payment options available?
Yes, though monthly payments are typically reserved for higher-qualifying applicants.
Q04What if I can't make payments due to hardship?
Contact us right away. Payments may be temporarily reduced during cash-flow difficulties, depending on your agreement and funding partner.
Portal support
Q01How do I reset my portal password?
Log in, click the menu icon, select My Account, then open the Login Details tab.
Q02I'm having trouble logging in. What do I do?
Use the Forgot Password link on the login page to receive a reset email. Still stuck? Call us at 888-572-6737.
Still have questions? Talk to a funding specialist.
Call, text, or start the 60-second form: no documents, soft check only, no cost to check.