Frequently Asked Questions

Get answers to the most frequently asked questions about our small business funding options and ISO program below. If you still have questions, contact us for more information. We’re dedicated to providing exceptional customer service, and will respond to all voicemails and emails within an hour (during regular business hours).

Where do you fund small businesses?

We fund businesses in the United States, including the U.S. territories of American Samoa, Guam, Northern Mariana Islands, Puerto Rico and the U.S Virgin Islands. We also fund in Canada (except for the Saskatchewan). 

My business is based in Canada. Am I eligible for working capital funding?

Yes! We fund businesses in Canada, except for Saskatchewan.

How much working capital can I receive?

We provide working capital loans from as low as $3,000 up to $500,000. 

Do you fund startups?

We do not fund startups. To qualify for funding from Greenbox Capital, your business must be in operation for at least 5 months. 

I have a low credit score. Can I still qualify?

Of course! At Greenbox Capital, we know your business’s credit score doesn’t always tell the whole story. That’s why our approvals are based on more than just your credit score. We look at the overall health and potential of your business, including:

  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business
  • Public records

Are there restrictions on the use of working capital funding?

No. We trust that small business owners know best how to use their funding, so we don’t restrict how you use your funds.

How do I become a sales partner with Greenbox Capital?

Start by learning more about our ISO program. If you’re interested in becoming an ISO partner, call us at 1-855-442-3423, or fill out an application online. 

Do you fund businesses in Puerto Rico?

Yes, we fund businesses in Puerto Rico, as well as American Samoa, Guam, Northern Mariana Islands, and the U.S Virgin Islands.

How fast can I access working capital cash?

Our application process is built around an in-house communication center that gives our Funding Advisors and underwriters instant access to the information they need to approve your working capital loan. Your funding can be approved in as little as 2-5 business hours, with working capital available in as little as one business day. 

How do businesses qualify?

Approval for a working capital loan from Greenbox Capital is based on more than just your business’s credit score. We take into account multiple factors, including:

  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business

What types of businesses does Greenbox Capital finance?

We fund businesses in most industries, including high risk industries. This includes attorneys, dental practices, medical practices, automotive dealers, construction companies, restaurants, retailers, manufacturers, gas stations, dry cleaners, pharmacies, business services, and more.

What information do you need from me to apply?

The information we need depends on the cash advance or loan amount you are applying for. We may need:

  • Credit card statements for the previous 3 months
  • Bank statements for the last previous 3 months
  • A completed application
  • Emailed or faxed photocopy of your driver’s license

For faster approvals, you can also provide our Funding Advisors with secure access to your account’s transactional data.

Does Greenbox Capital offer lines of credit?

Yes, we do offer funding that operates very similar to a business lines of credit, called a merchant cash advance. With a merchant cash advance, businesses can draw less than the full amount approved, then request more as needed so long as the health of the business remains unchanged or improves.

If I need additional financing, can I apply for another cash advance?

Yes. Once you have repaid 50% of your original cash advance, you are eligible to apply for another cash advance called a renewal. In most cases, Greenbox Capital will also increase the amount of the advance you are eligible to receive.

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