Answers about funding, costs and your account.

No. The eligibility check uses the information you give us and, where a lender needs it, a soft credit inquiry. A hard inquiry only happens if you choose to move forward with a specific offer.

The product, the lender and how complete your file is. Working capital and lines of credit tend to move fastest once the file is complete; term loans and equipment financing often take several days; SBA and real estate loans commonly take 30 to 90 days. The lender sets the timeline.

To check eligibility, only the basics: what you need, what it is for, your industry, time in business and monthly revenue. To fund, most products need 3 to 6 months of business bank statements and a short application. SBA loans need tax returns and financial statements.

No. Capital Ally is a fintech app for business owners. When you submit a funding request, lenders review it and make their offers, and we show you every one side by side with the lowest cost labeled. The lender makes the credit decision and provides the financing. You choose, and you can walk away at any point.

The membership that keeps working after you apply: a rate review every 90 days, early payoff savings, bill negotiation, a payoff plan, every offer side by side, your funding plan and weekly fee checks on your bank. Business credit and member deals are in early access. Membership does not guarantee financing or influence a lender's decision.

Checking eligibility, sending a funding request and the Free plan cost nothing. Capital Ally Everyday: Free for 7 days, then $4.99 a week, billed $19.96 every 4 weeks. Cancel anytime in the app. Capital Ally may also receive a fee from the lender when financing closes; where the law requires it, it is disclosed to you before you sign.

Your business must be located in the United States, and the beneficial owner must be a U.S. citizen, U.S. national or lawful permanent resident. Beyond that, you need to have been in business for more than six months with positive cash flow. Some products, such as SBA loans, have their own longer history requirements set by the lender.

Often, yes. Working capital, invoice factoring and ecommerce funding weigh revenue and deposits more than personal credit. Stronger credit unlocks lower-cost products, and we will tell you what would move you into that range.

Businesses under six months old have fewer options, but not none. Equipment financing and, for owners with home or commercial property equity, a HELOC or CELOC can work. We are honest when the answer is to come back in a few months.

Nearly all of them: construction, healthcare, manufacturing, logistics, retail, restaurants, professional services, technology, real estate and ecommerce among others. A few industries are restricted by lenders, and we will say so up front.

Usually two to four that genuinely fit, not a wall of options. You see every one side by side, with the total cost of each spelled out.

Yes. Consolidating daily-payment advances into a term loan or an SBA loan is one of the most common requests we handle and often cuts the monthly outlay substantially.

The lender completes final verification, you sign electronically, and funds are sent to your business account. Everyday members then get a rate review every 90 days and an early payoff plan.