Questions we actually get.

No. It is the purchase of a portion of your future receivables. A funder buys an agreed amount of your future sales at a discount and pays you the cash today. There is no interest rate, no amortization schedule, and no collateral pledged against your premises or equipment.

The distinction is not cosmetic. Because it is a purchase, the price is expressed as a factor rate rather than an annual percentage rate, the obligation sits with the business, and the rules written for consumer credit generally do not apply to it.

A factor rate is a multiplier applied to the advance amount that fixes the total you will repay. Multiply the two and you have the entire obligation. Factor rates typically run from 1.20 to 1.50.

On the worked example used across this site, $100,000 at a factor of 1.35 means $135,000 repaid over 10 months. That is about 43 weekly payments of roughly $3,100 to $3,150.

Interest is charged on a balance that falls as you pay it down, so time is a variable and paying faster costs less. A factor rate is fixed at signing and applied to the original amount, so the total does not move as the balance falls.

That is why clearing an advance in half the time does not, by itself, halve what you owe. Early payoff discounts are commonly offered and can be substantial, but they are a concession written into the contract rather than arithmetic that happens on its own.

From $15,000 to $20,000,000. In practice the ceiling on your file is your revenue: funders will go up to 100% of your last year of revenue, and most offers land well under that.

Deposits drive the number more than anything else. A business depositing $10,000 a month and one depositing $25,000 a month are not looking at the same offer, whatever else is true about them.

Between 5 and 18 months. A shorter term usually carries a lower factor rate and a larger weekly payment; a longer term does the reverse. The payment, not the factor, is what your cash flow has to survive.

The term is not a maturity date in the bank sense. It is the funder estimate of how long it takes to collect the agreed amount at the agreed weekly payment.

Four things carry almost every file: at least 18 months in business, at least $10,000 in average monthly deposits, a US or UK business bank account, and credit that funders will consider from around 500 to 600.

Requirements vary by funder, and meeting all four guarantees nothing. They are the filters that decide whether a file is worth anyone spending time on.

Often, yes. Many funders work from 500 to 600 and up, because approval leans on the health of your deposits rather than on your credit file alone. That is the main reason this product exists.

A low score rarely decides the outcome by itself. What it decides is the price: a weaker file earns a higher factor rate and a shorter term, which means a larger weekly payment.

Atlas Business Capital does not run a credit check to give you an indication of what you might qualify for. This website does not ask for a Social Security number at any point.

The funder reviewing your file will look at credit before making an offer. Ask whether that check is a soft inquiry or a hard one, and do not authorize it until you have been told. We will pass on exactly what the funder tells us.

An advance is a commercial transaction between a funder and your business, and funders generally do not report it to the consumer credit bureaus. It usually neither builds nor damages personal credit.

Two things can still reach you personally: a hard inquiry, if one is run, and the consequences of default where you have signed a personal guarantee. Both are worth asking about before you sign, not after.

No. 18 months of trading history is the floor, and it is the first filter nearly every funder applies. Below that we cannot place a file, however strong the business looks on paper.

There is no version of this where a business is funded against future receivables it does not yet generate. If you are pre-revenue, this is the wrong product and we would rather say so now.

Restrictions are set by the funders rather than by us, and they differ from one to the next. The categories most commonly declined outright are cannabis, firearms, adult entertainment, gambling, cryptocurrency and forex trading, debt relief and credit repair, multi-level marketing, and unlicensed financial services.

If your industry sits on a funder restricted list, we will tell you in the first conversation rather than after you have spent a week collecting documents.

It is possible. Funders will consider a second position and some will consider a third, but limits apply and the price rises with each one. Your outstanding balance, the payment already leaving your account, and how far into the term you are all matter.

Be straight with us about what is outstanding. It appears in the bank statements regardless, and a file that understates its positions gets declined later and slower than one that does not.

Take the worked example. A $100,000 advance at a factor of 1.35 means you repay $135,000 over 10 months. The factor alone accounts for $35,000 of that.

Then the origination fee comes out of what you receive rather than out of what you repay. At 2% you receive $98,000 and the money costs you $37,000. At 10% you receive $90,000 and it costs you $45,000. The repayment is $135,000 either way.

An advance is more expensive than a bank loan or a line of credit. If you qualify for either of those, take it instead.

A fee the funder deducts from the advance at the moment it funds, typically 2% to 10% of the amount. You do not pay it separately. It simply means less money arrives than the figure printed on the offer.

It is the most commonly overlooked line in an offer, because it never shows up in the factor rate and it is easy to read past on a signing page.

The advance minus the origination fee. On a $100,000 advance that is $98,000 at 2% and $90,000 at 10%.

Ask for the net figure in writing before you sign, together with anything else deducted at funding. Some funders also take small administrative or filing charges, and you want them named rather than discovered.

Because there is no interest and no declining balance. An annual percentage rate expresses the cost of credit against a balance that changes over time, and an advance is a purchase at a fixed discount, so the arithmetic an APR depends on is simply not present.

That is an explanation, not an excuse. The practical effect is that an advance is hard to compare with a bank loan, and the difficulty usually flatters the advance. Where a state requires a standardized commercial financing disclosure, the funder has to provide it with the offer. In the meantime, compare two numbers: the total dollars you repay, and the net dollars you receive.

Usually you can, and the discounts on offer can be significant. What they are not is automatic. The factor is fixed at signing, so early payoff reduces the total only if the contract says it does.

Ask for the early payoff terms in writing before you sign, and read what triggers them. Many are tied to a specific window, such as the opening months of the term. If the contract is silent on the point, assume the full amount is owed.

Atlas Business Capital is paid a commission by the funder when a file completes. You pay us nothing. We do not charge an application fee and we never ask for money up front.

That arrangement gives us an obvious incentive to place files, so here is how we handle it. We will tell you when an advance is the wrong answer for your business, and we would rather lose a file than place one that damages it.

Same-day funding is available on qualified files. It is not a promise and it is not the norm. It depends on how quickly complete documents arrive and on the funder review.

A realistic shape is this: a short application, documents the same day, funder review in one to two business days, then an offer you are free to turn down. Anyone who tells you the outcome before reading your statements is guessing.

To begin, only what the business does, roughly what it deposits, and what you need the money for. Later, if you decide to go ahead: 3 to 6 months of business bank statements, a government-issued ID for the owner, and a voided business check.

There is no cost and no obligation at any point before you sign a funder contract.

No. This site collects no documents, no bank logins, and no Social Security number. The contact form takes your name, your business, how to reach you, and what you need. Nothing else.

When documents are needed, we will tell you exactly where to send them and who will be reading them.

Yes. An offer states the advance amount, the factor rate, the term, the total you will repay, the origination fee, and the payment. You see all six before you sign anything.

If any of those six numbers is missing from an offer put in front of you (by us or by anyone else in this industry), treat the omission as the answer.

By automatic weekly ACH debit from your business bank account. The amount is fixed and identical every week. On the worked example that is roughly $3,100 to $3,150 a week for about 43 weeks.

Plan around the debit rather than around your average week. It is scheduled, not requested, and it does not wait for a good Friday.

The debit still goes out. This is the part owners underestimate most: a fixed weekly payment does not know that Tuesday was slow or that a large customer paid late.

Some contracts include a reconciliation clause that allows the payment to be adjusted when revenue falls. Many do not. Check whether yours does before you sign, and if a week is going to fail, call the funder before the debit bounces rather than afterwards.

Stacking is taking an additional advance while one is still outstanding. Each position adds its own fixed weekly debit to the same bank account, so a business that was comfortable at one position can be underwater at three without revenue having changed at all.

It also frequently breaches the first contract, which can put that advance into default on its own terms. Stacking is the most common route by which a manageable obligation becomes an unmanageable one.

The funder can pursue the outstanding balance. Depending on the contract that can mean enforcing a UCC filing against business assets, calling on a personal guarantee, contacting your payment processor or your customers, and suing.

Missing a single debit is not the same as defaulting, but it is how default begins. If the business is in trouble, the earliest possible conversation with the funder is worth more than anything else available to you.

Almost always, in some form. Most funder contracts include at least a performance guarantee, under which the owner is personally answerable for misrepresentation, for breach of the agreement, or for diverting the receivables that were sold, not simply for the business failing.

Some contracts go further and guarantee repayment outright. Those two things are very different and the wording is not always obvious. Read that clause, and ask us to point it out to you if it is not clear.

Not usually, and many funders no longer use them. Some contracts still contain one.

A confession of judgment allows a funder to enter judgment against you without a hearing if it asserts that you have defaulted. If a contract we bring you contains one, Atlas Business Capital will tell you that it is there and where to find it. Read it carefully, and take it to your own attorney before you sign.

No. Atlas Business Capital is a broker. We are not a bank, not a lender, and not a funder. We do not set your amount, your factor rate, or your term. The funder does, and the contract for an advance is between the funder and your business.

What we do is read your file, take it to funders whose criteria it actually fits, and explain the offers that come back in language you can act on.

Atlas Business Capital is a trading name of Veilon AG, Oberdorfstrasse 12, 8853 Lachen SZ, Switzerland. That is the company you would be dealing with when you contact us.

The funding itself comes from third-party funding companies, not from us. We are named here rather than buried in a footer because you are entitled to know who is on the other end before you send anything.

Advances are arranged for businesses operating in the United States and the United Kingdom, with a business bank account and trading deposits in one of those countries to underwrite against.

Where the operating company is registered does not change that. If your business trades and banks outside those two countries, we are not the right people to call.

Requirements, paperwork and the way payments are collected differ between the two markets. Tell us where you trade and we will tell you what applies to you.

What you type into the contact form: your name, your business, how to reach you, roughly what the business deposits, and what you need. That is the whole of it, plus the ordinary server logs any website keeps.

No Social Security number, no bank credentials, and no documents are collected on this website.

No. Your information is not sold and it is not passed to lead aggregators.

The most common complaint in this industry is a form filled in once and forty calls afterwards. That happens because the form was itself the product being sold. This one is not.

Say so and it stops. Tell us on a call, reply STOP to any text message, or email us and we will remove your details.

You can also make the request in writing on the do-not-contact page, and we will confirm when it has been done.