Frequently Asked Questions

Excel Capital Funding LLC is a commercial financing broker and is not a direct lender. We help businesses explore funding options through a growing marketplace of third-party providers across multiple financing categories. We connect you with the right funding pathway — with transparency, speed, and no hidden fees.

Applying is simple. Click the 'Apply Now' button anywhere on our website and complete the short application form. It takes about 5 minutes. A funding specialist will review your application and contact you within 1 business hour to discuss your options.

No. There is absolutely no fee to apply. Checking your funding options through Excel Capital Funding will never cost you anything upfront.

No. Our initial review uses a soft credit inquiry only, which does not impact your personal or business credit score. A hard inquiry may occur later only if you move forward with a specific funding offer and the provider requires it.

Our process is designed for speed. Most applicants receive a decision within a few hours of submitting their application. Once approved and an offer is accepted, funding can be deposited into your business bank account in as little as 24 hours.

Requirements vary by funding product and provider. Generally, businesses need to have been operating for at least 3–6 months, have a minimum monthly revenue (typically $5,000+), and have an active business bank account. We evaluate real business performance — not just credit scores.

We work with businesses across a wide range of credit profiles. Unlike traditional lenders, we evaluate your overall business performance — including revenue, bank deposits, and business history — not just your FICO score. Many of our clients have been approved with scores below 600.

Not necessarily. We work with sole proprietors, LLCs, corporations, partnerships, and more. What matters most is that your business is generating consistent revenue and has an active business bank account.

Yes. Having existing business debt does not automatically disqualify you. Our funding specialists will review your current obligations as part of the application process and help identify the best available options for your situation.

We work with businesses across a wide range of industries including retail, restaurants, healthcare, construction, transportation, technology, professional services, and many more. Contact us if you're unsure whether your industry qualifies.

Through our marketplace of providers, we offer access to working capital loans, merchant cash advances, unsecured business loans, revenue-based financing, equipment financing, and lines of credit. Our specialists will help you identify the product that best fits your needs.

Funding amounts typically range from $5,000 to $2,000,000 depending on your business profile, monthly revenue, and the specific provider. During your consultation, our specialists will present the offers available for your business.

Repayment terms vary by product and provider. They can range from 3 months to several years. Repayment structures may be daily, weekly, or monthly depending on the funding product. All terms will be clearly disclosed before you accept any offer.

No. As a broker, Excel Capital Funding is committed to full transparency. All fees, rates, and terms are disclosed upfront by the funding provider before you sign anything. We will never charge you undisclosed fees.

Many of our funding products are unsecured, meaning no collateral is required. Some products or larger funding amounts may require a personal guarantee or collateral. Your funding specialist will clarify this for any specific offer presented to you.

Yes. Eligible clients can apply for renewed or additional funding once they have repaid a significant portion of their current advance. Many clients access funding multiple times per year as their business needs evolve.

If you're experiencing difficulty with repayment, contact us or the provider immediately. Most providers offer options to work through hardship situations. Early communication is always the best approach to avoid additional fees or defaults.

Our client success team remains available to you even after funding is disbursed. You can reach us at +1 (754) 335-7575 or info@excelcapitalfunding.com with any questions or concerns.

No. Excel Capital Funding LLC acts solely as a commercial financing broker and referral source. We are not a direct lender. All funding decisions are made by the third-party providers within our network, subject to their own review, underwriting, and approval processes.

Yes. We take data security seriously. All information submitted through our platform is protected using 256-bit SSL encryption. We do not sell your personal information to third parties. Please review our Privacy Policy for full details.

Yes. Our team provides support in English, Spanish, Portuguese, Chinese, French, and Russian. Please let us know your preferred language when you speak with a specialist.

Funding options are available nationwide, subject to provider availability and local restrictions. Note that Excel Capital Funding does not offer, broker, or arrange financing for businesses located in California.