Frequently Asked Questions

Our AI-powered platform analyzes your business profile and matches you with the most suitable lenders from our network of 70+ partners. Here's how it works:

• Apply Once: Fill out a single application in 5 minutes
• AI Analysis: Our system analyzes your business and identifies the best lender matches
• Get Matched: Receive qualified offers from multiple lenders within 48 hours
• Choose & Close: Compare offers and select the best option for your business

Most businesses receive lender matches within 48 hours of submitting their application. The entire funding process from application to receiving funds typically takes 5-10 business days, depending on the type of financing and lender selected.

No, applying through Alliance Financing AI is completely free. There are no application fees, no upfront costs, and no obligation. You only work with lenders if you choose to accept an offer.

Basic requirements vary by financing type, but generally include:

• Minimum annual revenue of $100K-$300K (varies by product)
• At least 6 months to 2 years in business
• Credit score of 600+ (some products accept lower)
• Active business bank account
• No active bankruptcies

Each lender has specific criteria, and our AI will match you with lenders whose requirements you meet.

Yes! We work with many lenders who specialize in businesses with less-than-perfect credit. Options like revenue-based financing and merchant cash advances focus more on your business's cash flow than your credit score. Our AI will match you with lenders who are more likely to approve your application based on your overall business profile.

Most of our lenders require at least 6 months of business history. However, for businesses under 1 year old with strong revenue or personal credit, we may have options. Equipment financing and some working capital products can be available to newer businesses.

We offer six main types of business financing:

• Working Capital: Short-term funding for operations, inventory, and payroll
• Equipment Financing: Purchase or lease business equipment
• Lines of Credit: Revolving credit for ongoing needs
• Cash Flow Loans: Revenue-based financing
• Business Acquisition: Finance business purchases and mergers
• Canadian Tax Credits: Non-dilutive financing using government programs

Funding amounts vary by product type:

• Working Capital & Cash Flow: $10K - $5M
• Equipment Financing: $25K - $10M
• Lines of Credit: $10K - $5M
• Business Acquisition: $500K - $50M+
• Canadian Tax Credits: Up to 75% advance on government awards

The actual amount you qualify for depends on your business's revenue, time in business, credit profile, and the specific lender's criteria.

Interest rates vary significantly based on the type of financing, your business profile, and market conditions:

• SBA Loans: 6-10% APR
• Equipment Financing: 5-20% APR
• Working Capital: 8-30% APR
• Lines of Credit: 8-35% APR
• Cash Flow Loans: 15-80% APR equivalent
• Business Acquisition: 6-12% APR

Rates are determined by your creditworthiness, business strength, collateral, and loan terms.

Yes. We use bank-level encryption and security protocols to protect your information. Your data is transmitted securely and stored with enterprise-grade security measures. We never sell your information to third parties and only share it with lenders you're matched with.

When you submit your application, our lending partners may perform a credit check as part of their evaluation process. Depending on the lender, this may be a soft or hard inquiry. A hard inquiry may have a minor temporary impact on your credit score. We recommend discussing this with your assigned representative if you have any concerns.

Typical documents required include:

• 3-6 months of business bank statements
• Photo ID (driver's license or passport)
• Business tax returns (for larger loans)
• Profit & loss statements
• Business registration documents

Requirements vary by lender and loan type. Some products require minimal documentation.