FAQs

FAQs
What types of funding does 1 Stop Capital offer?

We offer Merchant Cash Advances (MCAs), SBA 7(a) and 504 Loans, Working Capital Loans, Business Term Loans, Revolving Credit Lines, and Micro Loans.

Funding can be completed within 24 to 48 hours after approval, depending on the product and required documentation.

An MCA provides upfront cash in exchange for a percentage of your future sales, offering flexible repayment based on your revenue flow.

Most businesses generating consistent revenue, including retail, restaurants, healthcare, and services industries, are eligible.

Loan amounts typically range from $5,000 to $2,000,000, depending on your business revenue and history.

Most of our funding options, including MCAs and Micro Loans, are unsecured — meaning no collateral is required.

We have flexible credit requirements. While a higher score helps, we also look at overall business performance.

Many applications receive same-day approvals, especially for MCAs and working capital loans.

Yes, startups can apply, although loan types and terms may vary based on time in business and revenue.

Repayments are automatically deducted as a small, agreed-upon percentage of your daily or weekly sales.

Are there penalties for early repayment?

No, most of our funding programs have no prepayment penalties — you can pay off early without extra fees.

The SBA 7(a) loan program provides up to $5 million for various business purposes with competitive terms and rates.

Basic documents include bank statements, business licenses, identification, and possibly financial statements depending on the loan type.

We offer faster approvals, less paperwork, and more flexible qualification criteria compared to traditional banks.

Absolutely. We use advanced security measures to protect your personal and business information.

Yes, funds can be used for inventory, marketing, payroll, equipment, expansion, and other working capital needs.

We serve a wide variety of industries, including retail, healthcare, construction, restaurants, transportation, and more.

Yes, we offer second-position funding and refinancing options depending on your business situation.

Rates vary based on loan type, business performance, and term length. We provide transparent terms upfront.

It’s easy! Just fill out our online application or call our team to get personalized assistance.