Frequently Asked Questions

How does your Working Capital program work ?

Our Merchant Cash Advances are a fast and convenient way for business owners to IMMEDIATELY get the cash they need to run their company. These Advances provide approvals the same day and funding the next. They come with easy repayment terms from 3 to 18 months.

How much can my business qualify for ?

Our Merchant Cash Advances typically range from $5,000 to $500,000 and vary based on your businesses monthly bank deposits. Basically, we will approve your business for up to twice your average monthly sales. Simply complete our instant approval form on the home page and find out immediately. 

How does your Equipment Financing Program work?

The Equipment Financing program looks at your time in Business, as well as your personal credit score. You will typically need to be in business for at least one year and have a 650 credit score to qualify. Down payments range from Zero down to as much as 20% as is primarily determined by your credit score.

What information do I need to apply?

To apply online, you will need your last 6 most bank account statements, Driver’s License, Voided Check, Lease Agreement (if you have an office outside your house), Corporation Papers (first page only) and not required if you are a sole prop, Business License (if you are legally required to have one)

How much does it costs to apply?

There is no cost or obligation to apply for ANY of our products with Reachout Capital. Apply online and know how much you qualify for within seconds.

What are the requirements ?

Our basic qualifications are that you must be in business for at least 6 months and deposit a minimum of $10,000 into your business checking account each month. Personal credit scores should be over 500 and NO open bankruptcies. 

What is Invoice Factoring?

Invoice Factoring is for clients who provide products or services to their clients and then have to wait 30,60 or 90 days to get those invoices paid. Once approved for Invoice Factoring with Reachout Capital you will no longer have to worry about collecting on your invoices. You simply send the invoices to us and we pay you up to 95% of those invoices the next day. Once your client finally pays the invoice we keep a small fee for our service and send the balance of the money to you as well. Most clients will pay between 1% and 2% per month for outstanding invoices. No fees are charged until the client finally pays off the invoice. This is extremely popular and eliminates having all your money tied up while you wait for your clients to pay.

Does your Working Capital program require collateral or personal guarantees?

NO.. Our Merchant Cash Advances do not require any collateral or personal guarantees

How long does it take to get approved for Equipment Financing?

Approvals within 48 hours 

How does your Line of Credit Work?

A line of credit is like a credit card with a giant credit line or available credit. You can use the money and pay it back as many times as you like. You only make payments on the outstanding balance. It a great way to have flexibility with your available working capital. These loans can be very inexpensive.

Do your loans have an early payoff penalty?

NO, there is no prepayment penalty for any of the loans or Merchant Cash Advances we offer.

What can I use the money for?

Many of our clients use the money for business development needs like expansion, advertising or stocking up on merchandise. Other uses for the money could be to cover seasonal fluctuations or unexpected maintenance issues that could disrupt business. Basically, the money can be used for any business need you may have. 

Who do I call with questions ?

Reachout Capital at (800) 783-5799 or via email at

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  • Loans offered in the United States and Canada ONLY