No. Square Deal Funding is a marketing and referral service. We match you with independent funding providers. We are not a lender, broker, or bank, and we do not make credit decisions or set terms.

No. There is no hard credit pull to see your options — the application asks you to estimate your credit band. If you move forward, a funding provider may run a check before funding, and they will ask for your permission first.

Many providers can review and decide the same day once they have your business bank statements, and some fund within about 24 hours. Timing depends entirely on the provider and how quickly you send documents.

Most providers in our network look for at least six months in business, a business bank account, roughly $10,000 or more in average monthly deposits, and the owner of the business applying. If you are not there yet, we tell you on the spot instead of collecting your details.

Usually three to four months of business bank statements and a photo ID. Larger requests can bring additional questions about your business, but statements do most of the work.

Often, yes. Many providers in this space weigh consistent business deposits more heavily than a personal credit score. Credit still affects which options and pricing you see.

An advance is priced with a factor rate rather than an interest rate: you agree to repay a fixed total that is larger than the amount advanced, through daily or weekly debits. Because the total is fixed, paying it off early does not usually reduce what you owe. Ask any provider for the total payback amount in dollars before you sign. We do not set or quote pricing.

Funding providers pay us a referral fee when we send them a qualified business. It does not change the offer you receive, and we never charge you anything to apply.