Question 1

What is working capital and why does my business need it?

Accepted Answer

Working capital is funding used to support everyday business operations including payroll, inventory, marketing, equipment repairs, and growth opportunities. It helps small businesses manage the timing gap between outgoing expenses and incoming revenue.

Question 2

How quickly can I get funded?

Accepted Answer

Most applications are reviewed the same business day. If approved and documentation is complete, funding can be delivered in as little as 24 hours depending on the program and structure.

Question 3

Will applying affect my credit score?

Accepted Answer

Initial reviews use a soft credit inquiry which does not impact your credit score. Some programs may require a hard pull depending on funding type and structure.

Question 4

What types of business funding are available?

Accepted Answer

We work with multiple funding structures including working capital funding, business term loans, revenue-based financing, invoice factoring, and consolidation structures for existing obligations. Each option is based on your overall business profile and financing needs.

Question 5

How do you determine what funding a business qualifies for?

Accepted Answer

We review multiple factors including monthly business revenue, existing financial obligations, time in business, banking activity, and overall business stability. Funding is structured around what the business can reasonably support.

Question 6

What is accounts receivable funding?

Accepted Answer

Accounts receivable funding allows businesses to access working capital based on outstanding invoices. Instead of waiting on customer payments, businesses can convert receivables into immediate capital to keep operations running.

Question 7

How is short-term funding different from a term loan structure?

Accepted Answer

Short-term funding focuses on faster repayment cycles while term structures spread repayment over a longer defined period. The right structure depends on your business revenue consistency, stability, and overall financing goals.

Question 8

What is position stacking?

Accepted Answer

Position stacking occurs when a business has multiple active funding obligations at the same time. While this can increase access to capital, overlapping obligations can put pressure on daily cash flow and business operations.

Question 9

Why does stacking matter?

Accepted Answer

Multiple overlapping payments reduce flexibility in managing day-to-day expenses. We review existing obligations before recommending new funding to make sure the overall structure remains manageable for the business.

Question 10

How does Novus Capital Funding handle existing positions?

Accepted Answer

We review all active obligations before structuring new capital. In some cases we may recommend restructuring or consolidating existing positions to simplify repayment and improve cash flow.

Question 11

Can you consolidate existing business funding?

Accepted Answer

Yes. In qualifying cases we can structure consolidation options that combine multiple obligations into a single more manageable payment structure.

Question 12

What determines eligibility for consolidation?

Accepted Answer

Eligibility depends on business performance, existing obligations, time in business, monthly revenue, and overall financial profile. Every case is reviewed individually.

Question 13

How is Novus Capital Funding different from other business lenders?

Accepted Answer

We focus on structuring capital responsibly around business performance and existing obligations. Our goal is funding solutions that support long-term business stability, not short-term pressure that creates bigger problems down the road.

Question 14

Do you work with businesses that have been declined elsewhere?

Accepted Answer

Yes. Many businesses we work with have been previously declined by other lenders. We review the full financial picture to determine if a workable funding structure can be created.

Question 15

How do I know if a funding structure is right for my business?

Accepted Answer

The right structure is one that aligns with your revenue, existing obligations, and ability to maintain normal operations without unnecessary financial strain. If a structure does not make sense for your business we will tell you.

Question 16

How does Novus Capital Funding approach transparency?

Accepted Answer

We prioritize clear terms, straightforward structures, and responsible funding alignment. Our goal is to make sure every business owner understands their obligations and stays in control of their financial decisions.

Business Funding FAQ

Working Capital Basics

Business Funding Options

Accounts Receivable Funding

MCA Stacking and Multiple Funding Positions

Business Funding Consolidation

How Novus Capital Funding Is Different

Transparency and Our Approach

Still Have Questions?