Three minutes, so your call is twenty useful minutes instead of forty vague ones. Written answers to the most common questions are just below.
A quick walkthrough of what the call covers, what to have in front of you, and who we work best with.
All approvals, amounts, and timing subject to underwriting, eligibility, and lender approval.
The questions business owners ask most before the call — answered straight, in writing. Skim whichever apply to you.
Flexibility Capital isn't one lender with one product. We work with a network of funding partners, and the job on your call is matching your business to what actually fits — not pushing whatever's on the shelf.
You'll be talking to one of our funding specialists at our office on Broadway in New York City. One person owns your file from the first call through funding — you won't be handed around.
It runs about 15 to 25 minutes. Your specialist will ask what's going on in the business — what the money's for, how much, and how soon. Then the basics: how long you've been operating, what you're doing in monthly revenue, and whether you have any advances or loans running now.
If it looks like a fit, they'll usually walk you through the application together, right there on the call. If it doesn't, they'll tell you that too.
Four things. None of them need to be sent ahead — just have them within reach:
Depends on your business. It could be any of these:
Working out which one actually fits your situation is the point of the call — not something to guess at from a webpage.
Once your file is complete — the application plus your bank statements — decisions often come back within hours. Qualified businesses can see funding in as little as 24 hours; most land within a few days.
Every approval and timeline is subject to underwriting, so nobody here will promise you a date before your file's been looked at. But speed is the reason most owners come to us instead of waiting a month for a bank.
Rates and terms depend on your business — time in business, revenue, cash flow, the type of financing, and the lender. There's no one-size-fits-all rate sheet, and you should be skeptical of anyone who quotes you one before seeing your file.
What we can say flatly: you'll see the full terms — repayment structure and total cost — before you accept anything. And there's no obligation at any point. Applying doesn't commit you to taking an offer. If it's not right, it's not right.
Most businesses we fund have been operating at least a year and do at least $10,000 a month in revenue. We fund businesses — not personal loans, and not pre-revenue startups.
Less-than-perfect credit isn't an automatic no. Our funding partners look at the whole picture — revenue, cash flow, time in business, and what the funding is for — not just a score. Plenty of the businesses we've funded were declined by their bank first.
Booking the call and having the conversation doesn't involve a credit check — the call is about your business, not your score.
If you decide to move forward with an application, credit review is part of underwriting. Your specialist will walk you through exactly what gets reviewed and when, before anything is submitted — so nothing happens without you knowing about it first.
Have the four things handy, make sure the decision-maker's on the call, and we'll take it from there.
It takes ten seconds, and we'll get you back on the calendar.
You can also use the reschedule link in your confirmation email.