Frequently Asked Questions
Straight answers about how Get Lighting Fund works. Still have a question? Contact us.
How fast can I get funded?
Many approvals come back the same day, and most cash advance and revenue-based programs fund within 24-48 hours after your documents are approved.
What do I need to apply?
Typically 3-6 months of business bank statements, a government-issued ID and a voided business check. Larger programs such as SBA or term loans may ask for tax returns and financial statements.
Does applying affect my credit?
The initial review uses a soft inquiry that does not affect your score. A hard pull happens only with your consent when a specific offer is being finalized.
What credit score do I need?
There are programs for a wide range of credit profiles. Monthly revenue and time in business matter as much as your score for most of our products.
How much can I qualify for?
Amounts are usually based on a multiple of your average monthly deposits and your overall business health. The calculator gives you a feel for payments before you apply.
Which industries do you work with?
Most - construction, trucking and logistics, restaurants, medical and dental, retail, professional services, manufacturing and more. A few restricted industries may have limited options.
Are there upfront fees?
No application fees. All costs are disclosed in your offer before you sign anything.
Can I pay off early?
Many programs offer early-payoff discounts. Ask your specialist which of your offers include one.