Frequently Asked Questions

Most programs require: (1) at least 6 months in business, (2) $10,000+ in monthly gross revenue, (3) a U.S. business bank account, and (4) you are the owner or authorized signer. Credit score requirements vary by program — some go as low as 500.

Yes. Many of our lender partners focus primarily on your business revenue and cash flow rather than personal credit. Programs like merchant cash advances and revenue-based financing are available to businesses with credit scores as low as 500.

Most programs require at least 6 months of operating history. SBA loans typically require 2+ years. If you are a startup (under 6 months), please contact us — there are limited startup-specific programs available.

We work with virtually all legal business types including restaurants, construction, retail, healthcare, transportation, real estate, auto repair, technology, staffing, and manufacturing. A small number of restricted industries (adult entertainment, cannabis, firearms) may not be eligible.

No. Our initial application uses a soft credit inquiry only, which does not impact your credit score. A hard pull is only performed if you choose to move forward with a specific loan offer from a lender.

For the initial application, you only need basic business information. If you proceed to a full application, lenders typically request: 3–6 months of business bank statements, a voided business check, and a government-issued ID. SBA loans require additional documentation including tax returns.

Yes. All data submitted through our site is encrypted using 256-bit SSL encryption. We do not sell your personal information to third parties. Your information is used solely to match you with appropriate funding programs.

Working capital loans and merchant cash advances can fund in as little as 24–48 hours after approval. Lines of credit typically take 3–5 business days. SBA loans take 2–6 weeks due to government processing requirements.

Funding amounts range from $10,000 to $500,000 depending on your revenue, credit profile, and the program you qualify for. Most businesses qualify for 1–1.5x their average monthly revenue as a starting point.

Most programs — including working capital loans, merchant cash advances, and lines of credit — are unsecured and do not require physical collateral. Equipment financing uses the equipment as collateral. SBA loans may require collateral for amounts over $25,000.

Rates vary significantly by program and your business profile. SBA loans offer the lowest rates (typically Prime + 2.75–4.75%). Working capital loans range from 8–35% APR. Merchant cash advances use a factor rate (typically 1.15–1.45) rather than an interest rate. A specialist will review all costs with you before you commit to anything.

Palm Beach Business Capital is a referral and matching service. We connect West Palm Beach business owners with a network of vetted lenders and funding partners. We do not charge any upfront fees for our matching service — lenders pay us a referral fee if and when you are funded.

No. Our service is completely free to business owners. There are no application fees, no upfront costs, and no obligation to accept any offer presented to you.