Frequently asked questions
Straight answers, before you apply.
Everything most owners want to know about speed, cost, credit, and repayment. If your question isn't here, a specialist is one call away.
Speed & process
Most clients receive a decision within one business day and funds within 24 to 72 hours of accepting an offer. Lines of credit fund draws next business day once your bank account is verified. The fastest path is a complete application and connected bank statements.
You'll get a confirmation immediately and a named specialist within the hour during business days. They review your revenue and cash-flow history, may request recent bank statements, and return written terms — usually within one business day. Nothing moves forward until you accept.
Generally: 6+ months in business (2+ years for lines of credit), $50K+ in monthly revenue, a business bank account, and a US-based business. We weigh performance over credit score, so a thin or imperfect credit file is not disqualifying.
Credit & cost
Applying never triggers a hard credit pull. We may run a soft inquiry that does not affect your score. A hard pull happens only with your explicit consent, and only for certain larger or custom facilities.
It depends on the product. Merchant cash advances remit a fixed percentage of daily or weekly sales. Lines of credit accrue interest on the drawn balance with scheduled payments toward principal. Working capital has fixed weekly or monthly payments. Every schedule is stated in writing before you sign, and autopay from your verified account is available for all of them.
Every Cortex facility runs from $250,000 to $5,000,000 — advances, lines of credit, working capital, and custom structures alike. Your specialist will size the offer to your cash flow rather than the maximum you might qualify for.
No. Your offer states the total cost of capital as one number. Any origination or wire fee is listed on the same page. If a fee isn't in your agreement, it doesn't exist.
Eligibility
Restaurants, retail, e-commerce, logistics, construction trades, healthcare practices, professional services, manufacturing, and more. We work across most industries; a few regulated categories are excluded, and your specialist can confirm in one call.
Often, yes. Depending on your cash flow, we may fund alongside an existing position or consolidate it into a single, more manageable facility.
Yes. Data is encrypted in transit and at rest, bank connections use bank-level encryption, and we never store your full banking credentials. We do not sell your information. See our Privacy Policy for the full detail.
Still have a question?
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