Why we don’t publish a flat rate card
Most lenders won’t tell you this directly, so we will: any business funding company that publishes a single flat rate is either giving you a best-case number that doesn’t apply to most businesses, or a worst-case number to protect themselves. Neither one tells you what you’ll actually pay.
Your rate depends on real factors specific to your business — not a one-size-fits-all number we could put on a webpage and have it mean anything.
What actually determines your rate
- Time in business — established businesses generally see stronger terms than startups
- Revenue and cash flow consistency — steady, predictable revenue matters more than total revenue size
- Credit profile — a factor, but not the gatekeeper most owners assume (see below)
- Loan type and structure — a 6-month bridge loan and a 5-year SBA loan are priced completely differently, by design
- Use of funds — equipment financing, working capital, and expansion capital carry different risk profiles and different pricing
- Industry — some industries carry more risk than others in a lender’s eyes, and that’s reflected in terms
None of this is proprietary or hidden from you during the process — it’s just information that can’t be reduced to a single number in advance.
What we do instead of a rate card
We look at your actual numbers and situation, and give you real terms from real lenders in our network — not a marketing estimate. You’ll know your actual rate before you sign anything, with nothing buried or backloaded.
If you talk to us and it’s not a fit, you’ll walk away knowing more about your options than when you called — even if we never do business together.
Common questions
Why can’t you at least give me a rate range?
We can, once we know a few basics about your business — time operating, approximate revenue, and what the funding is for. A generic range without that context is often more misleading than helpful, since it can be wildly wrong in either direction for your specific situation.
Does checking my rate affect my credit?
Initial conversations don’t require a hard credit pull. We’ll always tell you clearly before anything that could affect your score.
Is a “no rate card” approach just a sales tactic to get me on the phone?
We understand why it can look that way. It isn’t — it’s the same reason a mortgage broker can’t quote you a rate without knowing your credit and income first. If you’d rather see how it works before talking to anyone, that’s completely fine — reach out and we’ll walk through what we’d need to give you a real answer.