Frequently Asked Questions

1STOPCAP is a family-owned business funding company based in New York. We specialize in providing working capital loans to small and medium-sized businesses across 48 states. Our mission is to help businesses bridge the gap to success with fast, flexible funding solutions.

Applying is easy! Simply fill out our online application form on our website. The process takes just 2-3 minutes. You'll need basic information about yourself and your business, including your business revenue and time in operation. Once submitted, our team will review your application and contact you, often within the same business day.

No, there is absolutely no cost to apply. Our application process is completely free, and there are no hidden fees or obligations. You can apply and receive a quote with no impact to your credit score.

To qualify for funding with 1STOPCAP, your business must meet these basic requirements: (1) At least $750,000 in annualized business revenue over the previous 12 months, (2) At least 6 months in operation, and (3) No open bankruptcies and no more than one daily debit loan.

We understand that credit isn't everything. While we do review credit as part of our evaluation, we focus primarily on your business's revenue and performance. Many businesses with less-than-perfect credit have been successfully funded through 1STOPCAP.

We fund a wide variety of businesses across many industries, including retail, restaurants, construction, healthcare, transportation, e-commerce, and professional services. If you're unsure whether your business qualifies, we encourage you to apply – there's no cost or obligation.

No, our working capital loans do not require collateral. We provide unsecured funding based on your business's revenue and performance, not on assets you pledge.

We offer working capital loans ranging from $10,000 to $250,000. The exact amount you qualify for depends on factors such as your business revenue, time in business, and overall financial profile.

Our repayment terms are flexible, ranging from 3 to 24 months depending on your needs and qualification. Payments are typically made via daily or weekly automatic debits from your business bank account, making budgeting simple and predictable.

You can use your working capital for virtually any business purpose, including: purchasing inventory, covering payroll, managing cash flow gaps, equipment purchases, marketing and advertising, expansion projects, emergency expenses, or any other business need.

We understand that business needs change. Please discuss prepayment options with your funding specialist, as terms may vary based on your specific agreement.

We pride ourselves on speed. Many applications are approved within hours, and funding can be deposited into your account as soon as the same business day you apply. The exact timeline depends on how quickly you provide required documentation and complete the approval process.

Typically, you'll need to provide: (1) Recent business bank statements (usually 3-4 months), (2) A valid government-issued ID, (3) Proof of business ownership, and (4) Basic business information. Our team will guide you through exactly what's needed for your specific situation.

No, our initial application and pre-qualification process does not impact your credit score. We use a soft credit pull that doesn't affect your credit rating. A hard credit inquiry may only occur later in the process if you choose to proceed with a formal offer.

Our ISO (Independent Sales Organization) Partner Program allows brokers and sales professionals to partner with 1STOPCAP to offer our funding solutions to their clients. Partners earn competitive commissions on funded deals and gain access to our fast approval process and dedicated support.

To become an ISO Partner, simply visit our ISO Partners page and fill out the partnership application. Our team will review your application and reach out to discuss the partnership opportunity, commission structure, and support we provide.

We provide comprehensive support to our ISO Partners, including: dedicated account managers, competitive commission structures, fast deal turnaround times, marketing materials, training resources, and a partner portal to track submissions and commissions.

Absolutely. We take data security very seriously. Our website uses SSL/TLS encryption to protect your information during transmission. We implement industry-standard security measures and never sell your personal information to third parties for marketing purposes.

Your information is kept confidential and is only shared with parties directly involved in evaluating and processing your funding application. This may include our underwriting team and funding partners. For full details, please review our Privacy Policy.