Frequently Asked Questions

Solvic Capital funds your business with our own capital. We are not a broker, marketplace, or lead generation platform. When you apply, your application goes directly to our underwriting team. When you get funded, the money comes from Solvic Capital directly to your bank account.

A broker acts as a middleman — they find a lender for you and typically charge a fee that increases your total cost. A direct lender like Solvic Capital IS the lender. No broker fee, faster decisions because there is only one party making the approval, and a direct relationship with the company funding you.

In most cases, yes. Broker fees are typically added on top of the lender's base rate. By applying directly with Solvic Capital, you receive our direct rate with no broker markup.

Most businesses qualify with: 6+ months in business, $10,000+ in monthly revenue, and an active business bank account. Bad credit is acceptable — we focus on your business revenue performance.

No. Solvic Capital's direct underwriting focuses primarily on your business revenue performance. Many clients with credit scores below 600 are successfully funded.

No. Checking your direct funding options with Solvic Capital does not affect your credit score.

Some of our products accept businesses as young as 3–6 months. Quick Access Capital and MCAs have the most flexible time-in-business requirements.

Most clients receive a decision within a few hours of submitting a complete application. Funds are typically deposited the same business day or within 24 hours of approval — directly from Solvic Capital.

Solvic Capital funds from $5,000 to $5 million depending on the product and your business revenue.

Most of our direct products are unsecured — no real estate, equipment, or other assets required as collateral.

3 months of business bank statements, government-issued ID, and basic business information. No business plan required for most products.

A Merchant Cash Advance is repaid daily as a percentage of your card sales — payments flex with revenue. A Term Loan has fixed monthly payments over a set period. Solvic Capital funds both products directly.

Revenue-Based Financing is repaid monthly as a fixed percentage of gross revenue. Payments naturally increase in strong months and decrease in slower months — without fixed daily withdrawals.

Yes. Many direct clients return for renewal advances once they have repaid 50%+ of their current advance. Strong repayment history often results in improved direct rates and higher amounts.