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Frequently Asked Questions PDF Print E-mail

Q. How easy is it to get approved?
A. Over 80% 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 Credit Cards for at least 6 months?

Is your monthly Credit Card Volume at least $5,000?

Are all prior bankruptcies resolved?

Are you current on your retail lease?

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

Q. I have been with my Credit Card Processor for over 5 years and it is built into my POS System, Do I have to switch processors?
A. No. We have working relationships with many of the top Credit Card Processors in the world. However, if your processor is not on our list, we have a way to circumvent that problem so there is no interruption in the way you do business.

Q. I am already with another financing company providing a similar financing, can you replace that arrangement and offer me more money?
A. 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.

Q. How much does it cost to apply with Equity Shelter?
A. Equity Shelter 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.

Q. Does Equity Shelter require a personal guarantee?
A. No. Our Cash Advance does not require a personal guarantee, however, individuals may be liable in cases of fraud, misrepresentation, and as further detailed in contract.

Q. Can the daily payment percentage be changed after the account has been funded?
A. No. We maintain the percentage until the advance is paid in full.

Q. I need a longer term than 6 months. Do you offer such terms?
A. Yes. We offer programs that range from 6 months to 12 months based on the merchant’s needs.

Q. What if I already have a business loan?
A. 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.


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