Frequently Asked Questions

Business funding provides capital that companies use for operating costs, growth, equipment, inventory, or other needs. The process typically involves submitting basic business information, reviewing the funding options available to you, speaking with a funding specialist, selecting the option that fits your business, and then receiving funds after approval. Different funding products have different requirements, terms, and repayment structures.

We offer several funding solutions including unsecured business lines of credit, SBA loan programs (7(a) and 504), startup and new business funding, equipment financing, commercial real estate financing, merchant cash advances, and corporate credit building services. Each product is designed for different business needs and qualifications. You can see a detailed breakdown on our Funding Options page.

The initial application takes just a few minutes. You provide basic information about your business and what you are looking for. After that, a funding specialist will review your information and reach out to discuss your options. The overall timeline from application to funding varies depending on the specific product, the completeness of your documentation, and the provider's review process.

Basic requirements typically include your business entity documents (LLC, Corp, etc.), an Employer Identification Number (EIN), a business bank account, recent bank statements (usually 3 to 6 months), information about your monthly revenue, and personal identification. Specific requirements may vary depending on the funding product you are applying for.

Yes. We offer specialized programs designed for businesses that have been operating for less than two years. While newer businesses may face different terms than established companies, we work with startups and new ventures to find funding solutions that many traditional lenders may not offer. If your business is not yet incorporated, we can also help guide you through entity formation and corporate credit building to prepare you for funding eligibility.

Yes. Many of our funding solutions can be used for working capital purposes, including covering operating expenses, managing payroll, purchasing inventory, funding marketing, or bridging cash flow gaps. Some products are specifically designed for working capital needs, while others may have restrictions on how funds are used. Your funding specialist will explain any usage requirements for the product you select.

No. Submitting an application does not guarantee approval or a specific funding amount. All funding products are subject to the provider's underwriting criteria, which may include reviewing your business revenue, credit history, time in operation, and other factors. However, because we work with multiple funding sources, we can often present options even when traditional lenders have declined a business.

After you submit your information, a funding specialist will review your details and reach out to schedule a consultation. During the consultation, they will discuss the funding options that may be available based on your business profile, answer your questions, and walk you through the next steps. There is no cost for the consultation and no obligation to proceed.

A Merchant Cash Advance (MCA) is a form of business funding where a company receives a lump sum of capital in exchange for a percentage of its future revenue. Unlike a traditional loan with fixed monthly payments, MCA repayment adjusts based on your daily or weekly business sales. An MCA is technically not a loan. It is a purchase of future receivables, which affects how it is structured and regulated. You can learn more on our dedicated MCA Loans page.

A traditional business loan involves borrowing a fixed amount with set monthly payments over a defined period, usually at an interest rate. A Merchant Cash Advance is different in several key ways: repayment is a percentage of your daily or weekly revenue instead of a fixed amount, there is typically no set repayment schedule with a fixed end date, the cost is expressed as a factor rate rather than an interest rate, and the qualification process often focuses more on business revenue than credit score. MCAs are also not regulated in the same way as traditional bank loans.

MCA repayment is typically calculated by applying a fixed percentage (called the holdback rate) to your daily or weekly revenue. For example, if your holdback rate is 10% and your business generates $5,000 in a given day, $500 would be collected as repayment. This continues until the total repayment amount (the advance amount multiplied by the factor rate) has been paid in full. Because the amount collected adjusts with your sales, there is some flexibility built into the structure.

Yes. The initial consultation is completely free with no obligation. It is a 30-minute conversation where we review your business situation, discuss the funding options that may be available to you, and outline clear next steps. There is no cost and no pressure to move forward.

Elite Integrity Funding is led by Liz Estrada, who has over 20 years of experience in financial services. Since 2003, the team has helped more than 2,500 clients and facilitated over $180 million in total funding across business capital, mortgage lending, and credit services. Our approach is built on transparency, client-first guidance, and deep expertise in business finance.