Trusted by businesses nationwide — Funding from $50K to $5M
1-855-970-8485Apply Now →
Home / FAQ

Frequently Asked Questions

Everything you need to know about working with Heflin Capital and the funding process.

Getting Started
Qualifications vary by product, but in general we work with businesses that have been operating for at least 6 months with a minimum of $10,000 in monthly revenue. SBA loans typically require 2+ years in business and a 680+ credit score. Products like merchant cash advances and revenue-based financing have more flexible requirements — credit scores as low as 500 can qualify. The best way to find out is to apply. It takes under 5 minutes and won't affect your credit.
No. Our initial pre-qualification uses a soft credit pull that does not impact your credit score. A hard pull only occurs if you choose to move forward with a specific lender's offer, and we'll always let you know before that happens.
The initial application takes under 5 minutes. We'll ask for basic business information — revenue, time in business, funding needs, and how you'd like to use the capital. From there, our team reviews your profile and begins matching you with lenders.
There is no cost to apply, receive offers, or use our services. Heflin Capital is free to you as the borrower. We are compensated by the lenders in our network when a deal closes. You never pay us a dime out of pocket.
The Funding Process
It depends on the product. Lines of credit, merchant cash advances, and revenue-based financing can fund in as fast as 24 hours. Term loans typically take 2–7 days. SBA loans take longer — usually 30–60 days — because of the government-backed underwriting process. We always communicate realistic timelines upfront so you can plan accordingly.
For most products, we'll need your last 3 months of business bank statements to start. Depending on the product and amount, lenders may also request: business tax returns (1–2 years), a profit & loss statement, a balance sheet, a business debt schedule, or articles of incorporation. We'll tell you exactly what's needed based on your specific situation — no guesswork.
Most brokers start at the bottom — matching you with whichever deal is quickest or easiest to close. We flip that. We start by identifying the highest-quality funding options you qualify for (best rates, longest terms, most favorable conditions) and present those first. If those don't fit your needs or timeline, we work down to faster, more flexible alternatives. This ensures you always see your best available option before making a decision.
Absolutely. That's one of the biggest advantages of working with us. With one application, we can present you with multiple offers from different lenders so you can compare rates, terms, and total cost side by side. We'll walk you through each option and make a recommendation, but the decision is always yours.
You can upload your documents securely through our Document Submission page. If you prefer, you can also email them directly to your funding specialist. We'll let you know exactly what's needed and how to submit it.
Funding Products
A bank offers you one option — theirs. And if you don't qualify, you're out of luck. We connect you with 80+ lenders competing for your business, which means better rates, more flexible terms, and more options. Many business owners come to us after being turned down by their bank, only to find out they qualify for better terms than they originally applied for.
We work with businesses across nearly every industry — restaurants, construction, healthcare, e-commerce, trucking, professional services, real estate investors, and many more. If your business generates revenue and has been operating for at least 4–6 months, there's a strong chance we can help you find funding.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which allows lenders to offer lower rates and longer terms (up to 25 years). However, they have stricter qualification requirements and a longer closing process (30–60 days). Term loans from private lenders have slightly higher rates but can close in days and have more flexible requirements. We'll help you determine which makes the most sense for your situation.
Most products can be used for general business purposes — working capital, payroll, inventory, marketing, expansion, hiring, equipment, or debt refinancing. Some products like equipment financing and real estate loans are tied to specific purchases. We'll help you match the right product to your specific use case.
Yes. While stronger credit opens up more options (like SBA loans), several products in our network work with credit scores as low as 500. Revenue-based financing, merchant cash advances, and invoice factoring focus more on your business revenue than your personal credit. Apply and we'll find the best options available to you.

Still Have Questions?

Our team is here to help. Reach out directly and we'll get you answers fast.

1-855-970-8485 Apply Now — It's Free

Ready to Get Started?

Apply in under 5 minutes. Get matched with the best funding options from 80+ lenders. No credit impact.

Start Your Application
No credit impact · No obligation · 5-minute application