Frequently Asked Questions
How do I get business funding?
Eli Gold Capital simplifies the process of accessing business funding by connecting you with a trusted network of financing partners. While we are not a lender and do not provide loans ourselves, we connect you with our network of funding partners. Additional information may be required depending on the funding provider’s criteria.
Applying through our network is fast and straightforward. To streamline the process, be ready with basic documentation such as a valid government-issued ID, access to your business bank account (or recent business bank statements), and your account and routing numbers. Additional information may be required depending on the lender’s criteria.
Once connected to a suitable funding provider and if approved, funds are typically disbursed directly to your business bank account.
What are the requirements for business funding?
Eli Gold Capital is not a lender; we work with a network of reputable funding partners. Each partner may have slightly different requirements, but commonly requested information includes:
- Time in business
- Monthly or annual revenue
- Business bank account details
- Valid identification (e.g., a driver’s license or passport)
This is not an exhaustive list, but these are some of the most frequent items requested when evaluating your business for working capital options. Requirements may vary depending on the funding provider you’re matched with.
Do you offer a funding calculator?
Eli Gold Capital offers a small business financing calculator that will allow you to adjust certain business information accordingly, such as working capital amount, estimated credit score, and monthly sales. This allows you to see a broad estimate of what your small business may qualify for. To get a better sense of what you may qualify for, we recommend applying online through our website or giving us a call.
What credit score do I need?
Minimum 600 FICO—displayed up front.
How fast can I get funded?
Same day in most cases, often within hours.
Are your funding solutions short‑ or long‑term?
Eli Gold Capital does not provide business loans directly. Instead, we help connect business owners with a network of trusted funding providers who offer a variety of financing options — including both short-term and long-term solutions.
The term length of any funding option depends on several factors, including your business’s needs and the provider’s criteria. Some partners may offer shorter-term financing for businesses that need quick access to capital and prefer faster repayment. Others may have longer-term options available, depending on eligibility.
Our team is here to help guide you through the process and connect you with options that align with your goals. By discussing your business needs, we can identify funding solutions that best fit your timeline and financial strategy.
Should I pursue secured or unsecured funding for my small business?
The decision between secured and unsecured funding depends on your business’s current financial situation, funding goals, and the requirements of the financing provider you may be matched with.
A secured funding option generally involves using business collateral — such as equipment, inventory, or other assets — to secure the financing. In many cases, this means the lender may file a UCC (Uniform Commercial Code) financing statement, which places a lien on the collateral. Once the financing is fully repaid and obligations are met, that lien is typically released by the lender.
Unsecured funding, by contrast, does not require specific collateral. While this may simplify the process for some businesses, it also generally involves higher risk to the funder, which can result in more limited terms or higher costs.
Eli Gold Capital works with a network of funding providers who offer both secured and unsecured options. Based on your business’s profile, we can help identify which type of funding may be a better fit and connect you with the right provider — whether you’re prioritizing access, speed, or flexibility.
Can I qualify for business funding with bad credit?
Yes — while credit history is one of several factors considered by funding providers, it’s not always the sole deciding factor. Many of the partners in Eli Gold Capital’s network consider the broader financial health of a business when evaluating eligibility.
This often includes looking at your revenue, time in business, accounts receivables, and business bank activity. Even if your personal or business credit is less-than-perfect, you may still be eligible for funding depending on these other indicators.
Our role is to help match you with funding options that are more likely to align with your profile. For more insight, visit our blog post on how to get business funding with low credit.
Are there early-payment penalties?
No—we offer pro-rata interest refunds.