Frequently Asked Questions

No. Applying triggers only a soft credit inquiry, which does not impact your score. A hard pull happens only if you choose to move forward with a specific offer.

Many clients receive a decision in as little as 4 hours and funds in as little as 24 hours after accepting an offer, depending on the product and documentation.

Offers commonly range from $10,000 up to $1.5 million based on time in business, revenue, cash flow, and the product. Apply to see your personalized options.

None. Applying with Simply Advance is completely free with no obligation to accept any offer.

A one-page application, three months of recent business bank statements, and a valid ID. That's usually enough for a decision — we'll ask for anything else only if a specific lender requires it.

None. Applying with Simply Advance is completely free with no obligation to accept any offer.

Restaurants, contractors, trucking and logistics, retail, medical practices, salons, auto shops, e-commerce and more. If your business generates consistent revenue, we can likely help.

Credit is one factor, not the only one. Many of our lenders weigh revenue and cash flow more heavily, and our credit repair program can strengthen your profile for better terms.

Yes. Your data is transmitted over encrypted connections and shared only with lenders reviewing your file. We never sell your personal information.

Absolutely. Most of our clients come to us after a bank decline. Our private lending partners underwrite differently and look at the whole picture of your business.

Banks give you one answer. We shop your file across 40+ lenders, negotiate on your behalf, and move in hours rather than weeks — with a dedicated specialist the whole way.