Frequently Asked Questions

Explore our comprehensive FAQ page to find answers to your questions about Structure Financing’s business loans and lines of credit. Learn about our product offerings, eligibility criteria, application process, funding methods, repayment options, and more.

What types of financing do you offer?

We provide both Business Term Loans and Business Lines of Credit. A single application will help us determine the best fit for your business's cash flow and funding needs.

What are the loan amounts and terms available?

Our Business Term Loans can range from $5,000 to $400,000 with repayment terms between 18 to 24 months. Our Line of Credit offers a maximum limit of $100,000 and functions as revolving credit, enabling you to draw, repay, and reuse funds as needed.

Are your loans secured or unsecured?

Our Business Line of Credit is unsecured. For Term Loans, we secure them with a general lien on the business assets and a personal guarantee but no specific collateral or appraisals are required .

How do I qualify for financing?

To qualify, your business should meet these criteria:

Minimum one year in business
At least $80,000 in annual revenue
Active business checking account

Does applying affect my credit score?

We conduct a soft credit pull during the eligibility check, which does not impact your credit score.

What is the application process?

Our application is straightforward and usually takes around 10 minutes. You can apply online or over the phone at (239) 671-1003.

Which industries do you serve?

We work with over 700 types of businesses, including restaurants, auto repair shops, healthcare providers, contractors, and many other service industries. Certain restricted industries are not served .

What are the rates and fees?

Term loan rates depend on your business's health and cash flow. An origination fee of 0% to 4% applies. Renewing the loan may qualify you for reduced fees.

Is there any obligation if I apply?

Applying for funding does not obligate you to accept a loan offer, which remains valid for 30 days

How quickly can I receive funds?

Decisions can be made within minutes, and funding can be provided as soon as the same day if approved.

How does Term Loan funding work?

Funds for Term Loans are deposited through the Automated Clearinghouse (ACH) system, typically available in your business bank account the same day of approval.

What is instant funding for a Line of Credit?

For eligible businesses, approved lines of credit can provide funds instantly via an eligible business debit card. Instant funding is available 24/7, even during nights, weekends, and holidays .

What’s the difference between instant funding and ACH?

Instant funding uses the debit card network, making funds available within seconds to 30 minutes. ACH transfers are standard bank transfers taking one to two business days.