Small business funding FAQs

Cashifi is a small-business funding marketplace. You complete one application and we match you with lenders across the country, then show you real offers ranked by total cost. We're a broker/matchmaker, not a direct lender.

Cashifi is compensated by our lending partners when a business we refer gets funded. You never pay upfront fees to use Cashifi.

Working capital, business lines of credit, term loans, SBA 7(a) and 504 loans, equipment financing, invoice factoring, commercial real estate loans, and revenue-based financing — among others.

Cashifi works with lenders nationwide across the United States. Eligibility for a specific product depends on the lender and your business profile.

Most funding decisions consider three things: your monthly business revenue, how long you've been in business, and the owner's credit. Many short-term products have no minimum credit score and approve based on revenue.

About 4 minutes. You can complete it as a guided form or by chat, and your progress is saved as you go.

No. Checking your options uses a soft credit pull, which does not affect your credit score. A hard pull only happens later if you move forward with a specific lender that requires one.

Some products (like working capital) accept businesses as young as 3 months. Term loans typically want 12+ months, and SBA loans usually require 2+ years.

For most products, the last 3 months of business bank statements and a voided check. Larger or longer-term loans (term loans, SBA) may also ask for tax returns and financial statements.

Anywhere from $5,000 up to $5M+, depending on the product and your business. Working capital and factoring scale with your revenue; term and SBA loans go highest for qualified businesses.

Cost varies by product and profile — from about 7% APR on strong term loans and roughly 10.5–11% on SBA loans to short-term factor rates on working capital. Cashifi ranks offers by total cost so you can compare apples to apples.

No. Cashifi never charges upfront fees to check your options or apply.

Working capital and equipment financing can fund in as little as 24–48 hours. Lines of credit and term loans take a few business days; SBA loans take 30–90 days.

It depends on the product: fixed daily or weekly payments for working capital, monthly payments for term and SBA loans, draw-and-repay for lines of credit, and revenue-based payments for revenue-based financing.

Many products allow early payoff, sometimes with savings on remaining cost. Terms vary by lender — we'll surface this before you accept an offer.

Because we work with many lenders and products, a decline from one doesn't mean a decline everywhere. We aim to match you with the options most likely to fund your specific business.

Yes. Sensitive data is encrypted, and personally identifying details like SSN and EIN are stored as encrypted ciphertext. We only share what's needed with lenders you're matched to.

No. Cashifi coordinates your application; you're not handing your details to dozens of brokers. You control how we contact you.