Frequently asked questions

No. We are a marketplace. We match your business with lenders in our network and bring their offers back to you. The lender you choose sets the rate, term, and any fees, and makes the approval decision.

Nothing. We do not charge business owners for the matching service. Any interest, factor rate, or origination fee comes from the lender you select, and it is disclosed in their offer before you sign anything.

It depends on the product and your numbers. Equipment financing, reverse consolidation, and revenue-based options generally run from ten thousand up to five hundred thousand dollars. Term loans usually start around twenty-five thousand and reach five hundred thousand or more for strong borrowers.

A common baseline for a term loan is a credit score around six hundred or better, one to two years in business, and roughly a hundred thousand dollars in annual revenue. Revenue-based financing and equipment deals are often more forgiving on credit when recent sales are healthy, so a decline on one product does not mean there is nothing available.

The application takes a few minutes and offers frequently come back within twenty-four hours. Once you accept an offer, some products fund the same day into your business checking account. Larger term loans and equipment deals take longer because there is more to verify.

Expect to share basic business details and recent bank statements. Larger requests may also call for tax returns, a profit and loss statement, or an equipment quote. Lighter products like revenue-based financing usually need the least paperwork.

Almost always by automatic ACH withdrawal. Term loans and equipment financing are typically monthly on a fixed schedule. Revenue-based financing and working capital are often daily or weekly, sometimes as a percentage of sales rather than a flat amount.

Many lenders in the network start with a soft review that does not affect your score. Some pull a hard credit report before issuing a final offer. The lender tells you which applies before that step, so ask if it matters to you.

Often yes, and this is exactly what reverse consolidation is for. A new funder covers your existing daily or weekly payments while you make one simplified payment, which lowers the cash leaving your account each week. Typical terms run six to twelve months.

As a rule, equipment financing and term loans carry the lowest cost of capital, a line of credit sits in the middle because you pay only on what you draw, and revenue-based financing is the most expensive because you are buying speed and flexibility. The cheapest option you actually qualify for is usually the right one.

Tap the mic on the homepage and speak. Your audio is transcribed, Riley answers with an AI model, and the reply is read back to you. She remembers what you said earlier in the session so you are not repeating yourself, and you can wipe that memory any time with the clear button.

Riley is built to never take sensitive numbers out loud — no Social Security number, no bank account or routing numbers, no card numbers. If you offer them, she will redirect you to the secure application. Conversation memory lives in your own browser session and clears when you close the tab or press clear.

No. She can explain typical ranges and which products fit your situation, but every number she gives is an estimate subject to lender approval. Only a lender can issue a real offer.

Yes. If you would rather have a human walk you through it, say so and Riley will hand you off to the Reveal Lending team, or you can start the application and a representative will follow up on your file.