FAQ’S

Our review standards are streamlined to provide an expedited approval process that requires minimal documentation. Below are some frequently asked questions about the application process:
1. How is the amount of funding that a merchant can receive determined?
2. How quickly can a business receive funding?
3. Is this a loan?
4. What happens if credit card volume increases or decreases after we receive funding?
5. Do I have to process with you?
6. What can the funds be used for?
7. What if I am a new business?
8. I am already with another financing company providing a similar financing
can you replace that arrangement and offer me more money?
9. How much does it cost to apply for Timberline Capital?
10. What if I already have a business loan?
11. How easy is it to get approved by Timberline Capital?

How is the amount of funding that a merchant can receive determined?
The funding amount is determined from the previous four months of processing statements. The statements are averaged , and the merchant can receive up to 125% of their average monthly sales. back to top

How quickly can a business receive funding?
A business receives funding 3 – 7 days after a signed contract is received. back to top

Is this a loan?
Merchant funding is not a loan, but rather an advance backed by your businesses credit card processing volume history. Because this type of funding is not a loan, there isn’t a specified fixed period of repayment. back to top

What happens if credit card volume increases or decreases after we receive funding?
Since merchant funding is not a loan, and does not have a fixed payment period, a businesses processing volume can change without effect to the repayment of the funding. A split payment is agreed upon, and that split is used to repay the funded amount. back to top

Do I have to process with you?
No. You do not have to switch your credit card processor. However, we can give you a 100% assurance that we can beat your current processing rates, while providing a superior service for your processing needs. back to top

What can the funds be used for?
We’re not a bank, and as a result, you can use the funds you receive for anything. We strongly recommend that you invest the funds back into your business. A few examples of responsible, cost-effective, uses for funding include: expansion, renovations, partnership buyouts, opening new locations, purchasing increased inventory, and increasing your businesses marketing. back to top

What if I am a new business?
We may still be able to help you. Just give us a call. back to top

I am already with another financing company providing a similar financing, can you replace that arrangement and offer me more money?
Contact us to find out specifically how much we can offer you. We often offer larger advances than our competitors and will payoff your existing advance if it is in your best interest. Call us today to find out how much you are qualified to receive. back to top

How much does it cost to apply for Timberline Capital?
Timberline Capital offers a no cost/no obligation quote. There are no up-front fees and we do not charge for “out of pocket” expenses such as: credit reports, D&B reports, overnight mailing costs, etc. back to top

What if I already have a business loan?
Our product is an advance, not a loan. As long as you meet our requirements, we can still provide you with immediate cash, without affecting your other obligations. back to top

How easy is it to get approved by Timberline Capital?
92% of our applicants get approved and funded in less than 10 days. Our review standards are streamlined to provide an expedited approval process that requires minimal documentation.
Qualification is easy:

Have you accepted Visa/MasterCard transactions for at least 3 months?
Is your monthly Visa/MasterCard Volume at least $2,500?
Are all prior bankruptcies resolved?
Do you have at least one year remaining on your current retail lease?

If you answered yes to these questions then you should apply.