Capital Gurus®

Company > FAQ

Frequently Asked Questions.

Our FAQ section answers the most common questions
about our company and services.

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Questions

Capital Gurus offers genuine small business Term Loans and Lines of Credit. We have a single straightforward application for both term loans and lines of credit, so we can present you with all the financing options available to you and your business.

Capital Gurus offers Term Loans from $10,000 – $500,000 over 3 – 24 months. We offer Lines of Credit from $10,000 – $5,000,000 with payback on draws up to 12 months. (The lines of credit are revolving, so as you pay it back, your available funds increase.)

Our application takes only minutes to complete! You can apply online or over the phone by calling (888) 269-4246 We’ll only need your basic business and owner information to apply and 3 months of your most recent bank statements.

We are mindful of your hesitation to have a credit inquiry on your record. In the US, we always do a “soft pull” (which doesn’t impact your personal credit score), unless your credit file is restricted, in which case we would contact you to lift the restriction and do a hard pull.

Capital Gurus Minimum Requirements are:

  • 1 year in business $100,000 in business annual revenue
  • Business owner’s minimum personal credit score of 625

Our typical customer:

  • Has been in business 3+ years
  • Has a business annual revenue of $300,000+
  • Has a personal FICO score of 650+

Capital Gurus serves over 700 industries, so it’s likely that we’re able to work with you. Just in case, here is a list of the few industries we can’t serve.

Capital Gurus requires little to no paperwork to apply. Before you start filling out the application, make sure to have this information on hand:

  • Your Business Tax
  • ID number (EIN)
  • Your Social Security number
  • Estimated annual gross revenue
  • Average bank balance
  • You will need to submit your last 3 months of business bank statements.*  

The cost of your loan depends on many variables. Your actual rate is primarily determined by our Capital Gurus Score technology. We analyze numerous data points and base your rates on the health of your business, not just your personal credit score.

Capital Gurus uses frequent payments to pay back your loan without the burden of a large monthly payment that banks and many other lenders put on you. We know this is a little different, but it works for our customers. The daily or weekly payment is based on the amount and term length of your financing and is intended to be a manageable number based on the data you provided to Capital Gurus.

If you take a loan from Capital Gurus, an institution that reports to the business credit bureaus, and if you make timely payments, then these payments should help build your business credit profile, which in turn may lead to better offers if you apply for a loan again in the future.

Capital Gurus reports to three of the major business credit bureaus—Experian, Equifax, and Paynet—so any future lender can see your good business credit profile if you make timely payments and pay down the loan in full. Want to know more? Read this quick article.