FREQUENTLY ASKED QUESTIONS
Get Answers to Your Business Loan Questions
Everything you need to know about our loan products, application process, and funding timeline.
Eligibility
Products & Amounts
Application Process
Documents
Rates & Fees
Credit & Collateral
Funding Timeline
Security & Privacy
Top Questions
How quickly can I get funded?
Most businesses receive funding within 24-48 hours after approval. Same-day funding is available for qualified applicants.
What are the eligibility requirements?
Basic requirements include 6+ months in business, $10,000+ monthly revenue, and a business bank account.
Do you require collateral?
Most of our loan products are unsecured. Equipment financing may use the equipment as collateral.
Our Simple Application Process
1
Apply Online
Complete our simple online application in under 5 minutes. No hard credit pull required for pre-qualification.
2
Review & Approval
Our team reviews your application and provides a decision within 24 hours, often the same day.
3
Receive Your Offer
Review your loan offer with transparent terms, rates, and repayment schedule.
4
Document Verification
Submit required documents for verification. Our team helps you through every step.
5
Get Funded
Once approved, funds are deposited directly into your business bank account.
Eligibility
To qualify for funding with Green Capital, your business must meet these basic requirements:
- At least 6 months in business
- Minimum $10,000 in monthly revenue
- Valid business bank account
- Business registered in the United States
- Owner with at least 51% ownership stake
While we typically require businesses to be operating for at least 6 months, we do consider newer businesses on a case-by-case basis. If you have strong revenue, a solid business plan, or industry experience, we encourage you to apply. Our team will review your application and work with you to find the best solution.
We work with businesses across most industries including retail, restaurants, construction, healthcare, professional services, manufacturing, and more. There are some restricted industries we cannot serve due to regulatory requirements. Contact us to confirm if your industry is eligible.
Products & Amounts
We offer a variety of business loan products to meet different needs:
- Term Loans: Fixed amount with predictable monthly payments
- Lines of Credit: Flexible access to funds as needed
- Working Capital Loans: Short-term funding for operational needs
- Equipment Financing: Dedicated funding for equipment purchases
- Revenue-Based Financing: Payments that flex with your revenue
- Loan Consolidation: Combine multiple loans into one payment
We offer business loans from $5,000 to $5,000,000. The amount you qualify for depends on several factors including your monthly revenue, time in business, credit profile, and specific funding needs. Most of our clients receive between $50,000 and $500,000.
Term Loan: You receive a lump sum upfront and repay it with fixed payments over a set period. Best for one-time investments or purchases.
Line of Credit: You get approved for a maximum amount but only draw what you need, when you need it. You only pay interest on what you use, and as you repay, the credit becomes available again. Best for ongoing or seasonal needs.
Line of Credit: You get approved for a maximum amount but only draw what you need, when you need it. You only pay interest on what you use, and as you repay, the credit becomes available again. Best for ongoing or seasonal needs.
Application Process
Our online application takes less than 5 minutes to complete. You'll need basic information about your business, including business name, address, monthly revenue, and the amount of funding you're seeking. The entire process from application to funding typically takes 24-48 hours.
Our initial pre-qualification uses a soft credit pull that does not affect your credit score. We only perform a hard credit pull after you've reviewed and accepted a loan offer. We'll always notify you before any hard credit inquiry.
Yes! We use different criteria than traditional banks and consider many factors beyond just credit score. Many of our clients have been declined by banks but successfully received funding from us. Each application is reviewed individually by our underwriting team.
Documents & Verification
The basic documents typically required include:
- 3-6 months of business bank statements
- Driver's license or government-issued ID
- Voided business check or bank letter
- Business tax returns (for larger loans)
We use bank-level encryption for all document uploads through our secure portal. You can upload documents directly through our website, and all data is encrypted both in transit and at rest. We never request sensitive documents via email.
Still Have Questions?
Our team is here to help you understand your options.
Rates, Fees & Repayment
Interest rates vary based on several factors including loan amount, term length, your business's financial health, time in business, and credit profile. We offer competitive rates starting from single digits for well-qualified borrowers. Your specific rate will be clearly disclosed in your loan offer before you commit.
No, we believe in complete transparency. All fees are clearly disclosed upfront in your loan agreement. There are no hidden fees, no surprises, and no prepayment penalties on most of our products. You'll know exactly what you're paying before you sign.
Yes! Most of our loan products have no prepayment penalties. You can pay off your loan early and save on interest. Some products may have early payoff discounts. Your loan agreement will clearly state any terms related to early repayment.
Credit & Collateral
We consider applications from businesses with owners who have credit scores of 550 and above. However, credit score is just one factor we consider. We look at your overall business health, cash flow, and ability to repay. Many clients with lower credit scores have been approved based on strong business fundamentals.
Most of our business loan products are unsecured, meaning no collateral is required. For equipment financing, the equipment itself typically serves as collateral. Large loan amounts may require a UCC filing, which is a general lien on business assets but doesn't require specific collateral.
Yes, most business loans require a personal guarantee from owners with 20% or more ownership in the business. This is standard practice in business lending and helps us offer better rates and terms. The personal guarantee means you're personally responsible for repaying the loan if the business cannot.
Funding Timeline
Most businesses receive funding within 24-48 hours after approval. Same-day funding is available for qualified applicants who submit all required documents promptly. The exact timeline depends on how quickly you provide documentation and complete the verification process.
You'll receive a preliminary decision within minutes of applying. Full approval typically comes within 24 hours, often the same business day. Our team will contact you directly with your decision and next steps.
Funds are deposited directly into your business bank account via ACH transfer. Once the transfer is initiated, funds typically appear in your account within a few hours to one business day, depending on your bank's processing times.
Security & Privacy
Yes, we use bank-level 256-bit SSL encryption to protect all data transmission. Your information is stored on secure servers with multiple layers of protection. We comply with all federal and state privacy regulations and never sell your information to third parties.
Your application information is only viewed by our internal underwriting team and necessary service providers involved in processing your loan. We never share your information with competitors or marketing companies. See our Privacy Policy for full details on how we protect and use your information.
Green Capital Funding LLC is a registered business lender operating in all 50 states. We're BBB accredited with an A+ rating. You can verify our business registration, check our BBB profile, and read reviews from hundreds of satisfied clients. Our physical office is located at 210 E arrowhead Dr, Suite O-4, Charlotte, NC 28213.
Can't Find What You're Looking For?
Our team is standing by to answer any questions you have about business funding.