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Loan and Repayment
How It Works
What is Capital Connect?
How do Capital Connect customers access loan offers?
How does applying for a Capital Connect loan affect my personal credit score?
Will my offer expire?
What can I use my loan for?
How do I sign my agreement?
Can I cancel my loan?
Does applying for a Capital Connect loan require collateral?
My credit report is locked. What should I do?
Do I need to change anything about how I receive my sales?
How can I obtain my current (or past loan) statements?
Fees
What interest charges or fees do I pay with Capital Connect?
What is that fee?
How is my fee calculated?
Repayment
How do I repay my Capital Connect loan?
Why do I need a separate FBO Settlement Account?
Do I need to do anything to set up this new settlement account?
What does “for the benefit of” (FBO) mean? Is this actually my account?
Can I access my account directly to deposit or withdraw funds?
Will I continue to get my money when I normally do?
When my loan is repaid, how do I change my settlement account back to my current one?
What is the repayment percentage?
Is there a minimum payment?
What happens if I make no payment and don't meet the minimum?
Can I make additional payments toward my loan balance, independent of my sales?
Can I pay off my loan early?
Will I see savings or have to pay an early repayment fee if I make additional payments?
What is the difference between the loan maturity and the estimated payback period?
Once I pay off this loan, am I eligible for a new one?
Payment Logistics & Timing
How long does it take to receive loan funds?
When does repayment begin?
Why don't I see an offer in my Capital Connect Dashboard?
Why was my application declined after receiving an offer?
What are the reasons for being declined?
Why was I declined for an additional loan?
Do you offer loans in all 50 States?
Why can't I obtain a loan for less than $25,000 if my business is in Rhode Island?
Why can't I obtain a loan for less than $10,000 if my business is in New Mexico?
What if my business is having difficulty, or changes ownership/processing?
Instant Payouts
How it works
What are Instant Payouts?
How do I apply?
How does it work?
Instant Payout Eligibility
How do I know if I have eligible funds?
How often can I take an Instant Payout?
Why do I see this available balance? I did more in sales than reflected.
Where does my remaining balance go if I do not take an Instant Payout?
Fees and Other Questions
How much is the fee?
Why are my Instant Payout funds no longer available?
When can Instant Payouts be initiated?
What if I have a chargeback?
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Loan and Repayment
How It Works
Fees
Repayment
Payment Logistics & Timing
Instant Payouts
