Straight Answers to Real Questions

We connect established U.S. businesses with flexible funding — working capital, revenue-based financing, merchant cash advances, equipment financing, line of credit alternatives, and commercial lending — plus a credit repair program that strengthens your profile for better future terms. One application, multiple options, one specialist walking you through it.

Approval factors typically include business revenue, time in business, industry, bank activity, and overall financial profile. Most programs look for 6+ months in business and consistent monthly deposits.

No. The application and funding review are free and carry no obligation.

The initial review is based primarily on business performance. We always tell you before any step that could involve a credit inquiry.

Most complete applications receive an initial review the same business day. Qualified applicants may receive funds within one to three business days after approval, depending on the program.

Typical funding ranges from $10,000 to $500,000+, with structured commercial deals going higher. The amount depends on revenue, time in business, and overall profile.

For most programs: the application plus your most recent 3–4 months of business bank statements. Larger deals may require financials or tax returns — your specialist outlines everything upfront.

Often yes, depending on your cash flow and current obligations. In some cases restructuring into a single healthier position makes more sense than adding — we'll review it honestly.

Cost varies by product, term, and business profile. What we promise: you'll see the full cost in plain dollars — not just rates and jargon — before you commit to anything.

A merchant cash advance is a purchase of future receivables, not a loan. Cost is expressed as a factor rate rather than an interest rate, and remittance is daily or weekly. We explain exactly how it works before you decide.

Funding remitted as a percentage of your revenue — payments flex up when sales are strong and down when they're slow. It's a fit for seasonal and growth-stage businesses.

It varies by program — some offer early-remittance discounts. Ask your specialist; we'll flag the terms clearly on every option we present.

We review your personal and business credit reports, identify inaccurate or unverifiable items, execute structured disputes, and build a plan for positive history — integrated with your funding strategy. See the full program page for details.

No legitimate provider can guarantee results. Outcomes depend on what's actually on your reports. We guarantee a professional process and honest communication about what's achievable.

Often yes — many programs weigh business revenue more heavily than personal credit. A common strategy is funding on revenue now and refinancing into better structures as your profile improves.

Yes. Data is transmitted over encrypted connections, used only to evaluate your options, and never sold to third parties. See our Privacy Policy.

No. JWC Business Capital LLC is not a bank. Certain products and services may be provided through third-party funding partners and providers.

We serve businesses nationwide, in all 50 states. Product availability may vary by state.

Visit our Partner Program page and submit the short application. We'll schedule an onboarding call within one business day.