Frequently asked questions

No. Applying with West Bridge Financial is free and there's no obligation to accept any offer.

No. Reviewing your application and presenting offers does not require a hard credit inquiry. A funder may run a full credit check only once you choose to move forward with a specific offer.

A completed application and your most recent 3–4 months of business bank statements. Depending on the program, a funder may also request a driver's license, a voided business check, tax returns, or an equipment quote.

For most programs: at least 6 months in business, roughly $15,000 or more in monthly revenue, and a business checking account. Term and SBA loans typically require 2+ years in business and stronger credit.

Often, yes. Revenue-based financing in particular focuses on your business's sales and cash flow rather than your personal credit score.

Yes. Your application is transmitted over an encrypted (HTTPS) connection and shared only with funding partners for the purpose of evaluating your request. See our Privacy Policy for details.

Many clients receive offers the same day they apply and are funded within 24 to 48 hours of signing. Equipment financing usually takes a few days; term and SBA loans can take several weeks.

Funding typically ranges from $10,000 to $2,000,000 depending on the program, your monthly revenue and your time in business. Term and SBA programs can go higher.

Almost any legitimate business purpose — payroll, inventory, equipment, marketing, renovations, expansion, taxes, or covering a slow season.

Most revenue-based financing and line of credit programs don't require specific collateral. Equipment financing is secured by the equipment, and some term loans may require collateral or a personal guarantee.

Revenue-based financing (RBF) is the purchase of a portion of your business's future receivables at a discount. You receive a lump sum up front, and the funder collects an agreed percentage of your sales — usually via daily or weekly ACH — until the purchased amount is delivered. It is not a loan.

Revenue-based financing uses a factor rate instead of an interest rate. For example, $50,000 in funding with a 1.30 factor rate means $65,000 in total receivables purchased. Your advisor will show you the total payback and payment amount for every offer before you sign.

Because revenue-based financing is tied to your receivables, many agreements allow for a reconciliation that adjusts your remittance to reflect actual sales. Your advisor will explain the terms of each specific offer.

Yes. Many clients qualify for renewals or additional funding once they've paid down a portion of their current balance, often on better terms.

No. West Bridge Financial is a commercial finance broker. We work with a network of third-party funding partners who make the final underwriting decisions and provide the funds. This lets us compare multiple offers on your behalf.