Capital that respects your timeline.

For a cash injection, a decision typically comes back within 3 to 24 hours of a complete file, and funding commonly lands 24 to 48 hours after you accept. SBA loans are a different shape entirely — expect 30 to 90 days, because the paperwork and the government guarantee take that long.

Business legal name, EIN and start date; owner name, home address, ownership split, date of birth and Social Security number; and four months of business bank statements, which are required in every state. The application is four steps and takes about ten minutes.

No. TMF Team is a business funding brokerage. It prepares your file, presents it to funders and lenders, and manages the process — but every credit decision, and every rate, amount and term, belongs to the funder. TMF Team is paid a commission by the funder when a transaction funds, not by you.

There is no single cutoff. A cash injection is underwritten mainly on revenue and the health of your bank statements, so businesses with imperfect personal credit are regularly funded — the score affects pricing more than eligibility. A home equity line is the opposite: it is priced off the score, and the rate improves at roughly 660, 700, 740 and 780.

Often yes, but every open position reduces what is left to advance against, and the balance you still owe comes straight off the projection. If what you owe outweighs what you bring in, the honest answer is that a new advance is the wrong tool, and the conversation should be about consolidation or a payoff structure instead.