FAQ

Questions business owners ask

Can’t find what you’re looking for? Once you’re signed in you can message an advisor or our assistant directly from your account.

Does checking my options affect my credit score?

No. Seeing what your business qualifies for uses a soft inquiry, which never affects your credit score. A hard inquiry only happens if and when you choose to accept a specific offer — and we always tell you before that happens.

Who actually lends the money — is 37Lend a bank?

37Lend is a funding marketplace, not a bank or a direct lender. We verify your business once and match your application against a network of lenders and financing partners, who each decide their own terms. You compare their real offers in your account and choose the one that fits.

How are offers ranked or ordered?

We show every offer you receive — sorted by whatever matters most to you (lowest cost, lowest payment, largest amount, or fastest funding). We don't hide or bury any offer a lender sends back.

What if I don't qualify, or a lender declines me?

You'll see clearly what's blocking approval and what would help — more time in business, stronger revenue, a document we still need. In some cases we can route your application to a second look with a different set of lenders.

How fast can my business get funded?

It depends on the product and lender — a merchant cash advance can move in a day or two, while an SBA loan takes longer because of the additional underwriting involved. Every application shows an estimated funding speed on each offer.

What documents will I need?

It varies by product and lender, but most applications need recent bank statements, and some ask for tax returns or a profit & loss statement. We'll only ask for what a lender actually needs to make a decision, and you can upload everything from your account.

Is my information secure?

Your application data is encrypted in transit and at rest, and only shared with the lenders you actually apply through. We never sell your information.

I'm not ready to apply yet — can I still ask questions?

Yes. Once you have an account, you can message an advisor or our assistant any time, before or after you apply.