• The amount of time it takes to have access to funding all depends on the Funding Program. Depending on what Lending Solution you request and/or qualify for, you can receive the money as fast as same day or as long as 60 days after completing the application process.
  • Faster Funding Solutions include Merchant Cash Advances, Lines of Credit, Reverse Consolidations, and Equipment Financing. These programs require less Underwriting Criteria and offer a higher eligibility rate than other Financing Options.
  • Short-Term Loans, Real Estate Funding, Factoring, and Invoice Financing all require more Underwriting Criteria and can take weeks to Fund. The benefit of these Commercial Lending Solutions are lower rates and longer terms.
  • The cost of Funding all depends on the Underwriting & Pricing Analysis after the Application is submitted. Important factors that impact the cost of funding include: Time in Business, Outstanding Business Debt, Credit Score, Business Bank Account Analysis, type of Funding Solution, & Funding Amount.
  • It’s best to know what Funding Programs you qualify for because each Financing Option carry varied repayment terms, rates, and weigh the Underwriting Criteria for Pricing differently.
  • PFS offers clients a General Funding Application which can be completed online or over the phone and be signed electronically. The information you will need to complete the application includes: Your Business Tax ID Number, Business Address, Ownership Contact Info & Owner SSN. The General Application is easy to complete and takes no time at all to submit.
  • After the Application has been completed you may need to provide additional documents in order to complete your Application Process. The documents needed depend on the Funding Program. Our Funding Specialists will answer any and all questions you may have to make the Submission Process as easy and painless as possible.
  • PFS provides Alternative Lending Solutions to Businesses in all 50 states. Currently, we do not work with any clients who have businesses located outside of the United States.
  • The short answer is, Yes. It depends how recently you filed for bankruptcy and if you have filed multiple times. The only way to know if a prior bankruptcy will prevent your from being Approved is to speak to one of our Funding Specialists.
  • The max funding amount a client can borrow is as high as $20 Million Dollars! However, PFS handles each Funding Request based on the standing and specific needs of the business. In addition, the total possible funding amount an applicant can receive depends on the Underwriting Analysis, Time in Business, and Eligible Funding Program(s). Contact one of our Funding Specialists to understand how much you can borrow by calling: (888) 699-5442
  • The short answer is no. The majority of our Alternative Funding Solutions do not require any kind of collateral to get approved or funded. Some of our more qualified Business Lending Programs may require collateral, but that is determined based on the Underwriting Analysis of the business financials and current standing of the company.