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  • Q: How do you provide value to my business?
    As entrepreneurs, we understand that you need enough working capital to fund the many aspects of your business. Our value is in providing the capital you need today to maintain and grow your business for tomorrow and beyond.The approval requirements for our lending programs are significantly lower compared to secured bank loans, so our funding programs are the fastest and easiest way to obtain the money you need. In addition, unlike traditional banks, we offer post-funding support in the form of strategic and financial consulting—free of charge.
  • Q: What is the application process?
    The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.
  • Q: I have bad credit and even a previous bankruptcy. Can you get me funding?
    This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least six months and 2) your business generates sales in excess of $8,500 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!
  • Q: What can I use the money for?
    It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation.
  • Q: How long does the approval process take?
    Typically, approval is within 48 hours after we receive your full application, but it can take up to 72 hours, depending on how quickly you provide the required information, as well as the amount of funding being requested.
  • Q: How long does is take to receive the funds?
    We have several lenders that we work for and depending on the loan program that you are qualified for, the funds could take as little as 24 hours to reach your account or longer than 30 days in the case of an SBA loan for instance.
  • Q: How does the HT Business Capital process work?
    We pride ourselves with making sure that we understand your needs and we then match you with the best products suited for you. We don't do a one size fits all. We know you have unique business needs. We assess, we match, we fit your future goals with your present dreams. Once we receive the quick application or the full pre-qualification application, as well as a couple of supporting documents, funding can take place as fast as 24 to 48 hours.
  • Q: How much money will my business be eligible to receive?
    The amount that you qualify for varies, but is generally between 75%-125% of your business’ monthly sales revenue. Other factors such as your credit, the time in business may be considered depending on the loan program.
  • Q: What Types of industries do you work with?
    We work with over 500 different industry groups in a variety of sectors, such as food service, health care, automotive, textiles, manufacturing, construction, technology, and retail.
  • Q: What kind of supporting documents do I need in order to apply?
    We require copies of the following: bank statements, driver’s license, lease agreement, and a voided check from your business bank account. Some other documents may be required depending on the loan. The above listed are the most requested.
  • Q: How can I make sure I get funded as fast as possible?
    We do everything within our power to make the funding process simple, fast, and hassle-free, but we need your cooperation, too! We are highly responsive and will communicate with you frequently during the process. Your job is to be highly responsive and communicative back so that the loan flows fast.The best way to avoid delays and receive your funding as quickly as possible is to provide all requested documentation to us in a timely manner.
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