Are you a lender?
No. PitCrew Capital is a commercial loan broker. We work with a network of lenders and funders, match your business with the ones most likely to approve the right offer, and help you compare. The funder makes the credit decision and provides the money.
Does it cost anything to apply?
No. You never pay us an application fee or any other upfront fee. We may receive a referral fee from the lender or funder upon the successful placement of your financing.
Will applying hurt my credit?
We do not pull your credit. Funders who review your application do, and most start with a soft inquiry that does not affect your score. Some funders run a hard inquiry before final approval. Your application explains this before you sign.
What is the difference between an APR and a factor rate?
An APR is the yearly cost of borrowing. A factor rate, used for cash advances and revenue-based financing, tells you total payback as a multiple of the amount you receive. For example, $50,000 at a 1.30 factor means $65,000 in total payback.
How fast can I get funded?
It depends on the product and how quickly we get your documents. Many cash advances fund within a few business days of a complete application. Term loans and lines of credit can take a little longer. We will give you a realistic timeline once we see your file.
What documents do I need?
To start: the application and your last four months of business bank statements. Depending on the product and amount, a funder may also ask for a photo ID, a voided check, tax returns or financial statements.
What are the minimum requirements?
They vary by product. As a rough guide, cash advances often start around six months in business and $10,000 in monthly revenue. Term loans and lines of credit usually want a year in business and $100,000+ in yearly revenue. Each product page lists typical guidelines.
Where do you work?
We work with small businesses across the U.S. Some products and funders are not available in every state, so we will confirm the options for yours.
I already have a loan or advance. Can I still apply?
Often, yes. Tell us about it on the application. We will look at whether new financing makes sense or whether consolidating or waiting is the better move. We will not recommend stacking an advance your cash flow cannot support.
Can I pay off early?
It depends on the product. Some term loans reduce interest or offer a discount for early payoff. Many cash advances do not, because the payback amount is fixed. We point out the early payoff terms on every offer.
Is there an obligation to accept an offer?
No. Applying and reviewing offers is free, and you are never obligated to accept.
Fuel for what's next.
One application, multiple funders, and every offer explained in plain numbers. Applying is free, and there are never upfront fees.