Frequently Asked Questions

No. Our initial pre-qualification uses a soft credit pull that has zero impact on your credit score. A hard pull only occurs when you choose to move forward with a specific lender's offer — and we coordinate that to minimize unnecessary inquiries.

For most products, you'll need your last 3 months of business bank statements and basic business information (EIN, business license). SBA loans and larger amounts require 2 years of business and personal tax returns, a P&L statement, and a balance sheet. Equipment financing requires the equipment invoice or listing plus bank statements.

Startups under 6 months have limited options — most lenders require operating history. Strong personal credit (680+) opens equipment financing and personal-guarantee-backed working capital. Most lenders want 6–12 months of history before approving unsecured working capital products.

It depends on the product. Merchant cash advances and short-term working capital loans fund in 24–72 hours. Equipment financing closes in 3–7 business days. SBA loans take 30–90 days with Preferred Lenders — longer with standard lenders — but offer significantly better rates and longer terms than faster products.

After you submit the application, Drew or a member of the Heflin Capital team will contact you — typically within a few hours during business hours. We'll review your profile, ask any clarifying questions, identify the best-fit products, and begin the lender submission process. You'll never be left waiting without knowing the next step.

Absolutely not. Receiving and reviewing offers is completely free and creates zero obligation. You're under no pressure to accept any offer. We present your options and you decide — or you decide not to move forward at all. No fees until and unless a loan closes.

Nothing. Heflin Capital is paid a referral fee by the lender when your loan closes. There is no application fee, consulting fee, or upfront cost to you. This lender-paid fee does not change your interest rate or terms — lenders budget for broker channels the same way they budget for marketing.

No. Your rate is determined by your credit profile and the competitive market — not by whether a broker was involved. In competitive scenarios, broker-sourced loans often come in at lower rates than direct applications because multiple lenders are competing for your business simultaneously.

Yes. Alternative lenders in our network evaluate monthly revenue, time in business, and bank statement cash flow — not just credit score. Options exist for businesses with scores below 600, including MCAs, revenue-based financing, equipment financing (collateral-based), and invoice factoring (customer-credit-based).

All 50 states. Heflin Capital is headquartered in Lampasas, Texas but places business loans nationally through a network of 80+ lenders covering every state. Your location has no bearing on your eligibility — your revenue, credit, and business profile determine what you qualify for.

Most industries. We work with trucking, construction, oil and gas, agriculture, restaurants, healthcare, retail, manufacturing, professional services, technology, and more. Excluded industries under SBA guidelines include gambling, cannabis (federally), and passive investment entities. Most for-profit businesses qualify for at least some products in our network.