Straight answers to the questions that matter

No. OnKap Financial is a commercial funding brokerage. We evaluate your business and present it to third-party funding providers who make their own credit decisions.

Our primary programs support requests from $50,000 to $5,000,000. Smaller and larger requests can be reviewed. Available amounts always depend on underwriting and provider approval.

Most paths fit established businesses with roughly $25,000+ in monthly revenue. Time in business, industry, cash flow and credit profile determine which specific paths may fit.

The initial qualification uses information you provide. If a specific product requires a credit review, we tell you first and obtain your authorization.

Typically a short application and six months of business bank statements, uploaded through a secure encrypted link. Some products (like SBA) require more.

It varies by product. Revenue-based programs can move quickly once a file is complete; SBA and conventional programs take longer. We'll give you honest timing for your specific path.

Applying through OnKap is free. If a transaction funds, OnKap may be compensated by the funding provider — see our Disclosures page.

Yes. Sensitive documents are transmitted and stored through encrypted, access-controlled systems, and we share your file only with providers reviewing your request.

Bank declines are one of the most common reasons businesses come to us. Our network includes providers whose criteria differ substantially from traditional banks.

Prepayment treatment varies by provider and product. It's one of the terms we highlight when presenting any offer.