Questions? We've got calm, clear answers.

Our baseline requirements are simple: at least 6 months in business, $15,000+ in monthly revenue, and a personal credit score of 500 or higher. These are guidelines, not hard cutoffs — we evaluate the overall health of your business, so it's always worth applying even if you're close.

Most applicants receive a decision in 24–48 hours. Once you accept an offer and sign, funds can arrive the same day or next business day for most products. In fact, 95% of our approved customers are funded within 48 hours. SBA loans take longer (typically a few weeks) given their additional documentation.

No. Submitting an application uses only a soft credit inquiry, which never affects your score. A hard inquiry occurs only if you choose to move forward with a specific offer, and we'll always let you know before that happens. You can shop your options with complete peace of mind.

For most products, all we need is your completed application, a valid government-issued ID, and your three most recent months of business bank statements. Larger loans or SBA applications may require tax returns and financial statements — your advisor will tell you exactly what's needed, with no surprises.

We fund from $5,000 up to $5,000,000. The amount you qualify for depends on your revenue, time in business, and the product you choose. Most owners are approved for an amount in line with their monthly revenue, and you're never obligated to take the full amount offered.

Rates and terms vary by product and your business profile. Short-term loans run 3–18 months, long-term loans up to 5 years, and SBA loans up to 25 years. Every offer we present shows the total cost in plain dollars before you sign — no hidden fees, no confusing jargon.

Repayment is automatic and depends on the product. Term loans use fixed daily, weekly, or monthly payments; merchant cash advances take a small percentage of daily card sales; and lines of credit are repaid as you draw. We'll set up a schedule that fits your cash-flow rhythm, and many products carry no prepayment penalty.

Many of our products are unsecured, meaning no specific collateral is required. Equipment financing uses the financed equipment as collateral, and invoice factoring is secured by your receivables. Your advisor will explain any requirements clearly before you commit.

Absolutely. We protect your data with bank-level 256-bit encryption and never sell your information. Any bank connections are read-only and handled through secure, trusted providers. Your privacy and security are foundational to how we operate.

Yes. We look at the whole picture, not just a score. Because we underwrite based on your real cash flow and business performance, many owners who've been turned down by banks qualify with us. With a 500+ score and healthy revenue, you have a strong chance of approval.

Definitely — and most customers do. 90% of our customers renew with us. As you repay on time and your business grows, you'll often qualify for larger amounts and better terms. Many owners use Green Coast as an ongoing growth partner rather than a one-time lender.

There's no cost to apply and no obligation to accept an offer. Any fees associated with a specific product are disclosed up front and built into the total cost you see before signing. Transparency is one of our core values — you'll never find a surprise on your statement.