Question 1

How do I apply for funding?

Accepted Answer

Applying is simple and takes about 5 minutes. Fill out our online application with basic information about your business — your industry, monthly revenue, and how much you need. A dedicated funding advisor will contact you within 1 business hour to walk you through your options.

Question 2

Does applying affect my credit score?

Accepted Answer

No. Our initial application uses a soft credit pull only, which has zero impact on your credit score. A hard inquiry is only performed if you choose to move forward with a specific funding offer — and only with your explicit consent.

Question 3

How long does the process take from application to funding?

Accepted Answer

For most products, you can go from application to funded in as little as 24–48 hours. SBA loans take longer (typically 30–90 days) due to government processing requirements. Your advisor will give you a realistic timeline based on the product you choose.

Question 4

Is there any cost to apply?

Accepted Answer

Absolutely not. Applying is completely free with no obligation. You only move forward if you're satisfied with the offer we present.

Question 5

What documents do I need to apply?

Accepted Answer

For most products, you'll need 3–6 months of business bank statements, a government-issued ID, and basic business information. SBA loans require more documentation including tax returns, financial statements, and a business plan. Your advisor will provide a complete checklist based on your chosen product.

Question 6

What credit score do I need to qualify?

Accepted Answer

It depends on the product. Merchant cash advances and revenue-based loans can be approved with scores as low as 500. Working capital loans typically require 580+. SBA loans generally require 680+. We work with all credit profiles and will always find the best available option for your situation.

Question 7

How long does my business need to have been operating?

Accepted Answer

Most of our products require at least 6 months in business. Some products like merchant cash advances can be available to businesses as young as 3 months. SBA loans typically require 2+ years of operating history.

Question 8

What is the minimum monthly revenue required?

Accepted Answer

Most products require a minimum of $10,000 in average monthly revenue. Some smaller working capital products are available starting at $5,000/month. Revenue-based financing and MCAs are often available to businesses with $15,000+ in monthly card sales.

Question 9

Can I qualify if my business has had financial difficulties in the past?

Accepted Answer

Yes, in many cases. We evaluate your current business performance, not just your history. Recent bankruptcies (within 12 months) may limit options, but prior tax liens, judgments, or slow payment history don't automatically disqualify you. Your advisor will assess your full picture.

Question 10

Do you fund businesses in all 50 states?

Accepted Answer

Yes. Blueprint Business Funding funds businesses across all 50 states. Some products may have state-specific restrictions — your advisor will confirm availability for your location during the application process.

Question 11

What industries do you fund?

Accepted Answer

We fund businesses across virtually every industry — restaurants, construction, retail, healthcare, trucking, salons, auto repair, manufacturing, professional services, and more. If you're a legitimate operating business with revenue, we want to help.

Question 12

What's the difference between a working capital loan and a merchant cash advance?

Accepted Answer

A working capital loan is a fixed-term loan with set monthly payments and a defined interest rate. A merchant cash advance (MCA) is an advance against your future credit card sales, repaid as a daily percentage of those sales. MCAs are faster and more flexible but typically have higher effective costs. Your advisor will help you compare both for your situation.

Question 13

What is revenue-based financing?

Accepted Answer

Revenue-based financing provides a lump sum of capital in exchange for a fixed percentage of your total monthly revenue (not just card sales). Payments adjust automatically — you pay more when business is strong and less during slow periods. It's ideal for businesses with consistent but variable revenue.

Question 14

How does a business line of credit work?

Accepted Answer

A line of credit gives you access to a set amount of capital that you can draw from as needed. You only pay interest on the amount you actually use. As you repay, your available credit is restored — making it a revolving, flexible funding tool. It's ideal for managing ongoing cash flow needs.

Question 15

What can equipment financing be used for?

Accepted Answer

Equipment financing can be used to purchase or lease virtually any business equipment — vehicles, construction machinery, restaurant equipment, medical devices, manufacturing tools, technology hardware, and more. The equipment itself serves as collateral, which typically results in better rates.

Question 16

What is invoice factoring and how is it different from a loan?

Accepted Answer

Invoice factoring is not a loan — it's the sale of your outstanding invoices at a small discount in exchange for immediate cash. You receive up to 90% of the invoice value upfront, and we collect the full amount from your client when it's due. There's no debt added to your balance sheet.

Question 17

What makes SBA loans different from other products?

Accepted Answer

SBA loans are partially guaranteed by the U.S. Small Business Administration, which allows lenders to offer significantly lower interest rates and longer repayment terms (up to 25 years) than conventional loans. The tradeoff is a longer approval process (30–90 days) and stricter qualification requirements.

Question 18

How are repayments collected?

Accepted Answer

Repayments are collected via ACH direct debit from your business bank account. For merchant cash advances, a percentage is automatically deducted from your daily card processing settlements. Your advisor will explain the exact repayment structure for your chosen product before you sign anything.

Question 19

Are there prepayment penalties?

Accepted Answer

Blueprint Business Funding does not charge prepayment penalties on most products. Paying off your balance early can actually save you money on interest. SBA loans may have prepayment fees in the first few years — your advisor will disclose any applicable terms upfront.

Question 20

What happens if I miss a payment?

Accepted Answer

If you anticipate difficulty making a payment, contact your advisor immediately. We work with clients to find solutions — including payment deferrals or restructuring — rather than defaulting to collections. Proactive communication is always the best approach.

Question 21

Can I apply for additional funding while I still have an existing balance?

Accepted Answer

Yes, in many cases. This is called "stacking" or a "renewal." Once you've repaid 50–60% of your current balance, you may be eligible for additional funding. Your advisor will review your account and let you know when you qualify for a renewal.

Question 22

What interest rates do you charge?

Accepted Answer

Rates vary by product, term length, business performance, and credit profile. Working capital loans typically range from 8–35% APR. MCAs are quoted as a factor rate (1.15–1.45x). SBA loans range from 6–13% APR. Your advisor will provide a clear, itemized breakdown of all costs before you commit.

Question 23

Are there any hidden fees?

Accepted Answer

No. Blueprint Business Funding is committed to full transparency. All fees — including origination fees, processing fees, and any other charges — are disclosed in writing before you sign. We will never surprise you with fees after the fact.

Question 24

What is a factor rate?

Accepted Answer

A factor rate is used for merchant cash advances and some short-term products instead of an interest rate. It's a simple multiplier applied to the advance amount. For example, a $50,000 advance at a 1.30 factor rate means you repay $65,000 total ($50,000 × 1.30). Factor rates typically range from 1.10 to 1.50.

Question 25

Is there an origination fee?

Accepted Answer

Some products include an origination fee, typically 1–3% of the funded amount. This is always disclosed upfront and can often be rolled into the funding amount so it doesn't come out of pocket. Your advisor will confirm whether an origination fee applies to your specific offer.

Question 26

How is my personal and business information protected?

Accepted Answer

All data submitted through Blueprint Business Funding is encrypted with 256-bit SSL — the same standard used by major banks. We never store sensitive financial credentials and our systems are regularly audited for security compliance.

Question 27

Will my information be sold to third parties?

Accepted Answer

Never. Blueprint Business Funding does not sell, rent, or share your personal or business information with third parties for marketing purposes. Your data is used solely to process your funding application and manage your account.

Question 28

Is Blueprint Business Funding a licensed lender?

Accepted Answer

Blueprint Business Funding operates in compliance with all applicable state and federal lending regulations. We work with a network of licensed lending partners to ensure every funding product meets regulatory requirements in your state.

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