Your questions. Clear answers.

Apply either online by clicking here, or just call in and ask to speak to one of our dedicated financial advisors.

Applying online takes less than 2 minutes and getting a quick quote takes less than 30 seconds.

Most of our financial products require minimal documentation, making it quick and easy to access the funding your business needs.

Applying comes at no cost, ensuring a risk-free way to explore your business funding options.

Have your business details, recent business bank statements, requested amount, and planned use of funds ready. Depending on the product, you may also need tax returns, financial statements, or an equipment quote. Ask your funding advisor for the checklist for your application before sending documents.

A soft credit inquiry and a hard credit inquiry affect credit differently. Before authorizing a check, ask which type is required, whose credit will be reviewed, and at what stage. The credit-review process depends on the financing product; confirm the details before proceeding.

Application time is different from approval and funding time. The product, document completeness, underwriting, and bank processing all affect when funds arrive. If you have a deadline, share it with your advisor and ask what is still needed. Explore fast business loans for time-sensitive needs; funding is subject to approval.

Start with the cost of the purchase or cash-flow gap you need to cover. Then estimate a payment your business can support after operating expenses and existing debt. The amount available depends on your financial profile and the product. Borrowing the maximum offered may not be the best fit.

An application starts the review process. Before moving ahead, review the written offer and ask when an agreement becomes binding, whether any fees apply, and what happens if you decide not to proceed. Make sure you understand the terms before signing or accepting funds.

Credit is not a disqualifying factor for our financial products. Since our solutions are primarily cash flow-based, we can provide funding for businesses with a wide range of FICO scores.

We offer business funding options available as early as your third month in operation, helping you grow when you need it most.

For most of our financial products, a minimum annual business revenue of $100,000 is required.

Requirements vary by product. Common factors include revenue, time in business, credit history, existing debt, and the ability to repay. Equipment or asset-backed financing may also depend on the asset. Confirm the requirements for the option you are considering; meeting a minimum does not guarantee approval.

A business with little operating history may need a different funding route from an established company. Ask about products suited to your stage and what revenue, owner investment, or financial information is needed. Avoid assuming that a product for an established business is available to a pre-revenue startup.

Business structure is one part of the application. Be ready to provide the legal business name, ownership details, and information about the business income. Ask your advisor which entity should apply and whether owners must also be reviewed. An LLC does not automatically remove a personal-guarantee requirement.

Some products are secured by equipment, property, receivables, or other assets; others are described as unsecured. Ask whether the offer includes a lien on business assets or a personal guarantee. These are separate requirements, so confirm each one when comparing small business loan options.

A personal guarantee is an owner's commitment to repay if the business cannot. Whether one is required depends on the product and agreement. Ask who must sign, what obligations it creates, and whether it is limited or unlimited. Review those terms before accepting an offer.

We can finance any equipment that is essential to your business operations.

Our financing terms range from 30 days to up to 5 years. Our dedicated funding representatives will work closely with you to customize a term that supports your business's cash flow needs.

Yes! We offer products specifically designed to help our clients pay off daily or weekly payment loans and high-interest credit cards, providing more manageable rates and terms.

Yes! When you secure financing through Crestmont Capital, you begin building a credit history with us and our partners. This can help you qualify for tailored financial products with some of the most competitive rates in the industry.

Pricing depends on the financing product, credit profile, business finances, amount, term, and any security provided. Compare the written rate alongside fees, total repayment, and payment frequency. A headline rate alone does not show whether an offer fits your budget or how much it will cost overall.

Ask for an itemized explanation of any origination, closing, servicing, draw, or early-payoff charges that apply to the offer. Check the amount deposited after upfront charges and the total you must repay. A free application does not mean the financing itself has no cost.

A factor rate is a multiplier used to calculate a repayment amount; APR expresses an annualized financing cost. A factor rate of 1.20 is not the same as 20% APR. Compare the amount received, total repayment, fees, and repayment schedule when reviewing merchant cash advances alongside loans.

Payment frequency depends on the product and agreement. Ask for the payment amount, collection method, first payment date, and full schedule. Compare the schedule with when customers pay you, so you can assess cash-flow fit. Also confirm whether payments are fixed or can change.

Early-payoff terms vary. Ask for the payoff calculation, any prepayment charge, and whether paying sooner reduces interest or fees. Some financing uses a fixed charge that may not fall with early repayment. Confirm the written terms before choosing an offer based on expected savings.

Existing debt affects available cash flow and may affect eligibility. Share current balances, payment schedules, and any liens with your advisor. Ask whether the proposed financing adds another payment or replaces existing debt, and check whether your current agreements restrict additional borrowing.

A term loan provides a lump sum for a defined need; a line of credit lets you draw within an approved limit under its terms. Compare repayment, draw fees, and renewal conditions. A planned purchase and a recurring cash-flow gap may need different solutions. Explore our business line of credit.

Working capital financing is intended for operating needs such as inventory, payroll, or a gap between paying suppliers and receiving customer payments. Match the repayment schedule to the cash the funded activity can generate. For a long-lived asset, compare a product designed for that purchase instead.

Equipment financing generally supports a purchase, while a lease gives you use of equipment under an agreement. Ownership, end-of-term options, down payments, and maintenance responsibilities differ by structure. Compare the full cost and what happens when the term ends. Learn about equipment financing.

An SBA-backed loan is made through a participating lender under a government-guaranteed program. Eligibility, documentation, and permitted uses depend on the program. Other business financing follows the provider's product requirements. Compare total cost, timing, and repayment before choosing; see our long-term business financing page.

A merchant cash advance is structured around the purchase of future business receivables, rather than a conventional loan. Review the factor rate, total purchased amount, collection schedule, and reconciliation terms. Do not assume payments automatically adjust to lower sales; check the agreement. Compare merchant cash advance options carefully.

Compare the existing payoff balances and charges with the new fees, total repayment, and payment schedule. A smaller payment can come from a longer term and may increase overall cost. Ask which debts will be paid off and whether any will remain before accepting a refinancing offer.