Question 1

What is Alvara Capital?

Accepted Answer

Alvara Capital is a leading provider of business funding solutions. We specialize in providing working capital to businesses across America, regardless of credit score. Our mission is to help businesses grow by providing fast, flexible funding options.

Question 2

What funding solutions do you offer?

Accepted Answer

We offer a variety of funding solutions including business lines of credit, term loans, revenue advances, debt consolidation, equipment financing, and short-term business loans. Each product is designed to meet different business needs and situations.

Question 3

How fast can I receive funds once approved?

Accepted Answer

Most approved applicants receive funds within 24-48 hours. In many cases, we can provide same-day funding. Our streamlined process is designed to get capital into your hands as quickly as possible.

Question 4

What's the minimum and maximum funding amount?

Accepted Answer

We provide funding from $10,000 up to $1,000,000. The amount you qualify for depends on your business revenue, time in business, and overall financial profile.

Question 5

How can my business qualify for funding?

Accepted Answer

To qualify, your business needs to be at least 6 months old with a minimum monthly revenue of $10,000. We don't require a minimum credit score, and no collateral is needed. Simply complete our application and provide your last 4 months of bank statements.

Question 6

Can I qualify with bad credit?

Accepted Answer

Yes! We understand that credit scores don't tell the whole story. We focus primarily on your business revenue and performance rather than personal credit history. Many of our clients have been turned down by traditional banks but qualified with us.

Question 7

Do you fund startups?

Accepted Answer

We require businesses to be at least 6 months old with established revenue. If your business is newer than 6 months, we encourage you to apply once you meet our minimum requirements.

Question 8

What documents do I need to apply?

Accepted Answer

Our application process is simple. You'll need to provide basic business information and your last 4 months of business bank statements. That's it—no tax returns, financial statements, or business plans required.

Question 9

Is collateral required?

Accepted Answer

No, our funding is unsecured, meaning no collateral is required. You don't need to put up your home, car, or other assets to qualify for funding.

Question 10

What is a business line of credit?

Accepted Answer

A business line of credit provides flexible, revolving access to capital. You're approved for a maximum credit limit and can draw funds as needed. You only pay interest on what you use, and as you repay, your available credit replenishes.

Question 11

What is a revenue advance?

Accepted Answer

A revenue advance provides upfront capital in exchange for a percentage of your future sales. Instead of fixed monthly payments, your payments automatically adjust based on your daily or weekly revenue, making it ideal for businesses with fluctuating income.

Question 12

What is debt consolidation?

Accepted Answer

If you have multiple advances or business loans, we can help consolidate them into a single, lower payment. Many businesses save up to 50% on their monthly debt obligations through our consolidation program.

Question 13

How do I repay my funding?

Accepted Answer

Repayment terms vary by product. Lines of credit and term loans typically have weekly or monthly payments. Revenue advances are repaid through a percentage of daily or weekly sales. We'll clearly explain your repayment terms before you sign anything.

Question 14

How long does the approval process take?

Accepted Answer

Most applications are reviewed and approved within a few hours. Our streamlined underwriting process means you won't wait weeks like with traditional banks. Many applicants get approved the same day they apply.

Question 15

Am I obligated to accept if I'm approved?

Accepted Answer

Absolutely not. There's no cost or obligation to apply, and if you're approved, you can review the offer and decide if it's right for you. You're never obligated to accept funding.

Question 16

Will applying affect my credit score?

Accepted Answer

Our initial review uses a soft credit pull, which does not impact your credit score. A hard inquiry may only occur if you choose to move forward with a specific funding product, and we'll always let you know before that happens.

Question 17

Are there prepayment options?

Accepted Answer

Yes! We offer prepayment options with no penalties. In fact, you can save up to 15% by paying off your funding early. We believe in rewarding businesses that want to pay off their obligations ahead of schedule.

Question 18

How is Alvara Capital different from other lenders?

Accepted Answer

We know that nearly half of business owners compare multiple funding providers. That's why we focus on what matters most: transparent terms with no hidden fees, one dedicated advisor instead of a flood of sales calls, a simple application with minimal documentation, and fast decisions so you're not left waiting.

Question 19

Will I get bombarded with phone calls after applying?

Accepted Answer

No. We assign you one dedicated funding advisor who will be your single point of contact. We don't use aggressive call-center tactics or pass your information to multiple sales reps. You'll hear from one person who understands your situation.

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