·Questions, answered
Frequently asked questions
Straight answers on credit pulls, timing, documents, and how we work. Still unsure? A quick call clears most of it up.
Is checking my options a hard credit pull?
No. Your initial review is based on a soft inquiry and the business details you provide, which does not affect your credit score. If you decide to move toward an actual offer, a lender may need a hard credit pull — and you will be told before that happens.
How fast can I get funded?
Timing depends on the product, the lender, and how complete your documentation is. Many non-bank routes can move quickly once your file is clean and consistent, but we never promise a specific timeline up front.
What documents are typically needed?
Common items include recent business bank statements and basic business information; some routes also ask for tax returns or additional documentation. We will tell you exactly what is needed for the options you are considering.
Are you a direct lender or a bank?
No. Discover Business Loans is a funding marketplace and broker. We help you compare and connect with financing from a network of third-party lenders and funding providers, and we do not make credit decisions.
Do you guarantee approval or a specific amount?
No. Approval, amounts, rates, and terms are decided by the lender after underwriting and are never guaranteed. We focus on giving you a realistic read on your likely options.
Can you help if I have had a few rough months?
Often, yes. Structuring matters — sometimes the right move is a smaller amount, a longer runway, or improving how your cash flow presents before a larger ask. We will give you a straight assessment.
How much does it cost to work with you?
Costs depend on the product and provider. We will explain the all-in cost of any option before you commit, so there are no surprises.
What happens on the call?
A short, no-pressure conversation: we review your basics, walk through the routes you are most likely to qualify for, explain the tradeoffs, and outline clear next steps. You decide whether to proceed.
Still have a question?
Book a short underwriting call and we'll map the routes you're most likely to qualify for. Checking your options is a soft inquiry that won't affect your credit score. Moving forward with funding may require a hard credit pull and supporting documentation.