Business loan FAQ.

Most applications receive a decision within 24 hours. Once you accept terms and submit final documents, funds are typically wired within 24 to 72 hours. Real estate and larger term loans take longer because of underwriting and appraisal.

NEWCAP PRO places funding from $50,000 to $5,000,000. The amount you qualify for is driven primarily by revenue, deposit consistency, existing debt, and the product you choose.

To start, you need basic business details and your contact information. For underwriting we generally request three to six months of business bank statements. Larger requests may require tax returns, a profit-and-loss statement, and a debt schedule.

No. Credit is reviewed, but it is not the only factor. Business revenue, time in business, and bank-account health carry significant weight, which is why businesses declined by traditional banks are often still fundable.

Submitting an application does not by itself create a hard inquiry. If underwriting requires a hard pull for a specific offer, you will be told before it happens.

Cost depends on the product, term, and risk profile. Secured products such as equipment financing and real estate funding price lower than unsecured short-term capital or merchant cash advances. You will see the full cost, payment amount, and term in writing before you sign anything.

No. Applying and receiving offers costs nothing, and you are under no obligation to accept.

We work with construction, trucking and logistics, healthcare practices, restaurants and hospitality, retail, staffing, manufacturing, and professional services, among others. If your business is U.S.-based and generating consistent revenue, it is worth applying.

Underwriting moves quickly and often needs a same-day answer. Two email addresses and a direct phone number make sure time-sensitive offers and document requests reach you rather than sitting in a shared inbox.

Your application is stored securely and used only to evaluate and service your funding request. We do not sell or share your mobile information with third parties for marketing. Full details are in our Privacy Policy.

In most cases yes. Early-payoff terms vary by product — some carry a discount, others a prepayment provision. Ask before signing and it will be spelled out in your offer.

No. NEWCAP PRO is a funding company, not a bank. We structure and place business funding, which is what allows us to move faster and consider profiles that a bank underwriting box would reject.