/ FAQs
The questions business owners actually ask. Straight answers.
No hedging. No "it depends" without a real explanation.
Fill out a short form. Business name, time in business, approximate monthly revenue, what you are looking for. About five minutes. No credit pull. No bank statements at this stage. We review what you submitted, then your advisor schedules a 15-minute call. That call is a real conversation. You find out what you qualify for. We find out if the fit is genuine. If it is, we move to an application. If it is not, we tell you why.
You get a confirmation email immediately. It includes a link to book your qualification call and a short video from Tony on what comes next. If you do not book within a day or two, your advisor follows up directly. You are not going into a queue.
The Qualify Me form takes about five minutes. The qualification call is about 15 minutes. The application, once you are qualified, takes about 10 minutes. Many clients fund in 24 to 48 hours from completed application. Your advisor gives you the honest timeline for your specific deal before you commit to anything.
Your last four months of business bank statements in PDF format. The contact and business information from the Qualify Me form is pre-loaded into the application. You are not starting over.
Working capital advances use a factor rate, typically between 1.10 and 1.50 depending on your revenue, time in business, and credit profile. SBA loans currently range from roughly 6 to 10 percent. Your advisor explains the exact cost of your deal in plain language before you sign anything.
A factor rate is a multiplier. If you borrow $100,000 at a factor rate of 1.25, you pay back $125,000. It does not compound, but because repayment is short-term, the annualized equivalent cost is higher than a traditional loan. Your advisor translates the factor rate into a total cost number so you know exactly what you are committing to.
Working capital products typically range from $5,000 to $500,000. SBA and larger structured products go higher. The qualification call is where we establish what range makes sense for your situation.
It stays with Mach. It does not go to lenders until after the qualification call confirms a genuine fit and you have approved next steps. Your advisor tells you exactly where your file is going before anything moves.
The Qualify Me form does not trigger a credit pull. Nothing happens to your credit at the qualification stage. If you move to a full application and your file goes to lenders for underwriting, some lenders may pull credit as part of their process. Your advisor tells you when and how before it happens.
No. Your information is used to evaluate and process your application. That is it.
Working capital advances create a public record called a UCC-1 filing when they are funded. Other companies in this space monitor those filings. Some brokers also buy lead lists. If you fund through Mach or have applied anywhere before, other companies may contact you. Your advisor walks you through what this means for your situation. Every person from our team introduces themselves by name. If someone calls and you have never spoken with them before, that is not us.
A previous decline does not disqualify you. The reason for the decline matters more than the decline itself. Different lenders use different criteria. Your advisor looks at your specific situation, not just the fact that someone else said no.
Working capital products are primarily underwritten on revenue, not credit score. Lenders in this category can approve owners with scores well below what a bank requires. There are minimum thresholds and your advisor will be straight with you about where you stand.
Construction, trucking, restaurants, auto repair, healthcare, retail, professional services, and many others. The main requirements are real revenue and at least three months of operating history. If you are not sure whether your business fits, the qualification call is the fastest way to find out.
Existing debt is factored into underwriting, not an automatic disqualifier. How much, what type, and what the repayment structure looks like all matter. Your advisor looks at the full picture.