Frequently Asked Questions
Straight answers to the questions we hear most.
Is I Will Lend You Money a direct lender?
No. We are a technology platform that connects qualified small businesses with participating lenders and financing partners. We do not underwrite or fund loans ourselves. This keeps us neutral and focused on finding you the best available option.
How long does funding take?
Timing varies by product, application, verification, and provider. I Will Lend You Money does not control or guarantee approval or funding timelines. A participating provider will disclose its process and timing.
Will applying affect my credit score?
No. We only use a soft credit pull for pre-qualification, which does not appear on your credit report and does not affect your score. A hard pull is only done when you accept a final offer from a lender.
What are the minimum requirements?
Criteria vary by provider. Common starting profiles are: Business Term Loans and Business Lines of Credit at 6+ months in business, $10,000+ monthly revenue, and 600+ credit; MCAs at 3+ months, $10,000+ monthly revenue, and 500+ credit; and Equipment Financing at 12+ months, $10,000+ monthly revenue, and 620+ credit.
How much can I request?
Business Term Loans: $10,000 to $500,000. Merchant Cash Advances: $5,000 to $250,000. Equipment Financing: $5,000 to $2 million. Business Line of Credit limits are set by the participating lender. Available amounts depend on underwriting and are not guaranteed.
What documents will I need?
At minimum, the last 3 months of business bank statements. For larger loan amounts or equipment financing, you may also need the last 2 years of tax returns, a profit and loss statement, and a vendor quote. We tell you exactly what you need when you apply.
Can I apply with bad credit?
Yes. Some participating providers may consider MCA applicants with personal credit scores around 500. Term loans, lines of credit, and equipment financing commonly use higher starting criteria, but each provider decides.
Do you charge application fees?
Never. We do not charge you anything to apply, to see offers, or to get matched with a lender. Our lending partners compensate us only when a loan is successfully funded.
What happens to my information?
Your application data is encrypted at rest and only shared with the specific lending partners we match you with. We do not sell your data to third parties and we never put you on a general lead list. Read our privacy policy for full details.
What if I want to talk to a real person?
Call us at 1-866-315-LEND. A funding specialist will answer and walk you through your options before or after you apply.