Frequently Asked Questions

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The application process is fast, simple and secure. It will take you five minutes to fill out our simple application form, or you can also call one of our financing experts. When you get pre-approved, you will generally receive financing options and offers within a few hours.

We know it can be intimidating and often confusing figuring out how to apply for business capital. We strive to remove all kinds of confusion from this process. One of our financing experts will guide you through the simple steps required to qualify, explain what options and offers are available, and facilitate your application until the desired financing is achieved.

For the merchant, our application process is always free.

The information and paperwork we require is very little. Generally, a simple one-page application, bank statements for the past few months, and other requirements such as a driver"s license and a voided check are all you need for financing. At times, a funder may request some other information such as evidence of tax filing, or proof of ownership. It all depends on the funder.

Generally, the complete financing process takes 1-3 days after being approved.


For most of our programs, you only need to be in business for a minimum of 3 months, earn at least $ 5,000 in gross monthly income, and have a minimum credit score of 450. However, there are other programs outside of these parameters. Contact a financing expert to discuss your unique situation and identify what other options would be available to you.

As long as you are not actively involved in a bankruptcy case, it is very rare for a past closed bankruptcy to turn out to be a problem. We have multiple partners who will reject you because of bankruptcy. Our funders understand that a past divorce or foreclosure during the foreclosure crisis has no effect on your ability to run a successful business.

Yes. Most programs do not have early repayment penalties. In fact, some programs even offer reduced repayment amounts if the advance is paid off before the designated term.

No. Although we have programs focused on credit cards, it is never a requirement to accept credit cards. Changing processors is almost never a requirement.

Although personal credit is part of the typical underwriting process, other factors such as the vitality of your business are very important. We have a wide variety of funders, including those who work with individuals facing personal credit challenges.


Our programs require at least 3 months of time as a business owner, and at least $ 5,000 in gross monthly income. If you are a startup that meets these prerequisites, contact one of our financing experts to discuss available options.

Our funders have various programs and lengths of terms. Most of these programs are paid within a 6-12 month period.

Typically most financing programs range from $ 5,000 to $ 500,000. The amount that is approved depends on many factors. Funders will examine your business and the uniqueness of your situation. Contact one of our financing experts to find out how much financing is available to you.

Most companies use working capital to purchase inventory, cover payroll, pay taxes, or expand their business. The truth is, you can use the money for any purpose that helps you grow your business.


Typically payment is made through a small ACH withdrawal from your business checking account, daily or weekly.

The fees and charges charged by our funding partners vary depending on multiple factors. Issues like past income, time in the company and your industry contribute to this. Some are based on a fixed rate on the money borrowed, and some are based on a fee factor. One of our expert funders will guide you through the application process and help you to secure an offer (s) with no obligation within a few hours.

At 75 Capital we receive a small origination fee from our lending partners, and we ONLY charge a small fee for professional service once you get your financing.


We approach each merchant with a unique and personal touch unlike most other funders or services. The solid relationships that we have established over the years with funders throughout the country ensure that you will receive the best qualified offers with the best rates and terms. 75 Capital strives to build lasting relationships with each of the merchants we work with. Let us take care of all the field work in this process, so you can focus on doing what you do best.

We take the security and protection of our merchants" personal information very seriously. For this reason, we employ the most secure data encryption technology in the industry.

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