Short answers. No invented statistics.

If a question is missing, use the contact form. We would rather write a precise reply than pad this page.

What does this firm do?

is a financing marketplace. We review a small-business request and outline structures — lines, term notes, factoring, equipment, merchant advances, SBA paths — that a capital source may be able to underwrite.

Does applying affect my credit?

The initial application is designed as a soft inquiry. A hard pull is not required to start. If a later product requires a hard inquiry, that is disclosed before it happens.

What are the typical starting qualifications?

About six months in business, around $15,000 in monthly revenue, and personal credit near 500 or higher. Frames, not guarantees.

How fast can funds arrive?

Days for some deposit-backed structures. Weeks for longer or SBA paths. We do not advertise a same-day guarantee.

Will I need a personal guarantee?

Often, yes, especially on smaller operating companies. The documents will say so.

Can I apply if I already have an advance?

Yes. Disclose the existing facility, the debit or holdback, and the remaining balance.

Do you fund startups with no deposits?

A company with no operating history is usually a different market than this desk.

Are you a bank? Are you the SBA?

No. We may coordinate bank, non-bank, and SBA-related paths. Program rules belong to the issuer and the agency.

What if I just want to compare products?

Start at the funding hub. You do not have to apply to read.

Why don’t you list awards, AUM, or a phone number?

Because this site will not invent them. Use apply@redwoodbaycapital.com or the application.