[{"_1":2,"_416":-5,"_417":-5},"loaderData",{"_3":4,"_33":34,"_116":117},"root",{"_5":6,"_7":8,"_15":16,"_17":18,"_19":20,"_21":22,"_23":24,"_25":26},"gtmId","GTM-W4RP47LT","honeypotInputProps",{"_9":10,"_11":12,"_13":14},"nameFieldName","name__confirm","validFromFieldName","from__confirm","encryptedValidFrom","Dmyxwxm1mozyMYJWGC/tqFcWWiFvMlHhnirjGD8JzY8PCUYiP5EvgAM=","environment","prod","apiUrl","https://api.prod.us.jaris.co","applicationId","78f3bdb7-6fd5-48e7-9690-670f370d2105","clientToken","pub85599b2c47bc77bb5e5bbe10f11d84d3","partnerDisplayName","Sage","statsig",{"_27":28,"_15":16,"_29":30},"sdkKey","client-sz2gybZXBMvp39MDSGl9VkcJVKhKnophH6hHJ5ri7xp","user",{"_31":32},"email","","routes/$partner/layout",{"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_108":109,"_115":40},"productName","jaris Capital","partnerName","sage","isAuthenticated",false,"showFaq",true,"config",{"_37":38,"_45":46,"_47":48,"_49":50,"_51":52,"_67":68,"_92":93},"flowType","wizard-based","apiPartnerName","jaris-sage","products",[],"heroConfig",{"_53":54,"_55":56,"_61":62,"_64":65},"type","default","headlines",{"_57":42,"_58":59,"_60":32},"showPoweredByJaris","primary","Access fast, flexible business funding","secondary","ctaLabels",{"_58":63},"Join Today","placeholders",{"_31":66},"Personal Email Address","sectionsConfig",{"_69":42,"_70":42,"_71":42,"_72":42,"_73":74},"includeBenefits","includeHowItWorks","includeWhySection","includeCallToAction","benefits",[75,82,86,89],{"_76":77,"_78":79,"_80":81},"icon","lock","text","This is a secure site","id","secure-site",{"_76":83,"_78":84,"_80":85},"check","No cost to apply","no-cost",{"_76":83,"_78":87,"_80":88},"No hard credit pull","no-credit-pull",{"_76":83,"_78":90,"_80":91},"Get funds as early as the next business day","fast-funds","contentConfig",{"_73":94,"_95":94,"_96":94,"_97":98},"standard","howItWorksSteps","footerType","callToAction",{"_99":100,"_101":102,"_103":104},"heading","See how much you qualify for","subheading","GET STARTED NOW","buttonLabels",{"_105":106,"_107":106},"desktop","Get Started","mobile","content",{"_31":110},{"_111":112,"_113":114},"support","support@jaris.com","servicing","servicing@jaris.com","isShopRoute","routes/$partner/faq",{"_118":119,"_121":122,"_408":409,"_415":38,"_37":36},"allProducts",[120],"INSTALLMENT_LOAN","faq",{"_123":124,"_265":266,"_120":312},"FLEX_LOAN",{"_125":42,"_126":127},"enabled","sections",[128,181,195,237],{"_129":130,"_132":180},"items",[131,138,145,148,151,154,157,164,168,172,177],{"_132":133,"_134":135},"title","What is ?","description",[136,137]," gives small business customers commercial capital faster and easier than traditional commercial loans, often at better terms than merchant cash advances."," loans are fixed-fee and repaid via a percentage of your daily transactions. There are no periodic interest charges, late fees, or prepayment penalties. Funds are deposited as soon as the next business day if approved, so you can invest in your business immediately to increase inventory, purchase equipment, hire employees, and more.",{"_132":139,"_134":140},"How do customers access loans?",[141,142,143,144],"The process is designed to be simple:","1. Check your email or Dashboard for notification of a pre-offer, and click the link to get started.\n2. Submit a quick application; it usually only takes a couple of minutes! Applications are typically reviewed within one business day. If approved, you’ll see the maximum loan amount your business is eligible for, and you can choose to take as much as you need up the maximum amount.\n3. Once you accept, the funds will reach your bank account – typically within one business day. Begin using your funds!\n4. Repay automatically through a percentage of daily card transactions. You can also make manual payments – or pay the loan in full – with no prepayment penalties.","You can always see the exact terms of your loan in your Dashboard or from the *Pricing and Repayment Table* in your loan agreement.","*All loans are issued by one of Jaris Lending, LLC’s partner banks and serviced by Jaris Lending, LLC. The individual owner authorized to act on behalf of the business must be based in the United States with a U.S.-issued taxpayer identification number and be at least the age of majority. A valid U.S. bank account is required for funding. The actual loan fee depends upon payment card processing history, loan amount, and other eligibility factors. Loan eligibility is not guaranteed. All loans are subject to credit approval.*",{"_132":146,"_134":147},"How does applying for a loan affect my personal credit score?","It does not. Jaris completes a soft credit pull, which does not affect your credit score. Though your personal credit score plays a role in qualifying, your offer is based primarily on your business’ sales history and performance.",{"_132":149,"_134":150},"What can I use my loan for?"," loans are for business and commercial purposes only. For example, you can use the loan funds to buy inventory or equipment, hire staff, open new locations, or help with temporary business cash flow needs.",{"_132":152,"_134":153},"How long does it take to receive loan funds?","Once your application is approved, funds are transferred to your business’s bank account as soon as the next business day.",{"_132":155,"_134":156},"How do I sign my agreement?","After you select your desired loan amount in your Dashboard, you will be directed to digitally accept (and download) your loan agreement.",{"_132":158,"_134":159},"Does applying for a loan require collateral?",[160,161,162,163]," loan agreements include a Performance Guarantee where owners are personally responsible for ensuring that the business meets the obligations of the loan agreement, as defined in the loan agreement.","For loans of $50,000 or more, a UCC lien is filed on the business.","For loans of $500,000 or more, an additional personal guarantee is required by the beneficial owner(s).","If your company has additional affiliated companies, you may be required to sign a cross-collateralization acknowledgment. These conditions are subject to the specific terms of your loan agreement.",{"_132":165,"_134":166},"My credit report is locked. What should I do?",[167],"If your credit is locked or frozen, please contact Experian to lift the freeze, allowing us to run the soft credit pull when you are completing the application. If we cannot complete the soft credit pull, the Jaris team will contact you.",{"_132":169,"_134":170},"I have a fraud alert on my credit report, what should I do?",[171],"If you have a Fraud Alert on your credit report, Jaris will reach out to verify your identity per the instructions in your credit report.",{"_132":173,"_134":174},"Do I need to change anything about how I receive my sales?",[175,176],"No. With , loan repayments occur automatically as a percentage of daily card transactions, as long as you are processing as usual, your loan should be paid in full on time.","Please note: if you move your card processing to another company, your account will immediately enter Technical Default, and the outstanding balance will be due in full.",{"_132":178,"_134":179},"Will my offer expire?","Your offer is good for 14 days, the exact expiration date can be found next to your loan offer information in your Dashboard. If you do not accept your offer before the expiration date you will have to submit a new application.","How It Works",{"_129":182,"_132":194},[183,186,191],{"_132":184,"_134":185},"What fees do I pay with ?","Jaris uses a factor rate instead of interest rates to determine the fee charged. The factor rate is a fixed decimal and is multiplied by the principal loan amount to calculate the total repayment amount which includes the fee. There are no ongoing interest charges, no hidden fees, and no late fees.",{"_132":187,"_134":188},"What is the fixed fee?",[189,190],"The fixed fee is a fraction of the principal loan amount. The total amount due to be repaid is the sum of the principal loan amount and the fixed fee.","For example:\nLoan Amount: $20,000\nFixed Fee: $3,000\nTotal Amount Owed: $23,000",{"_132":192,"_134":193},"How is my fee calculated?","The fee is based on a formula that considers your business’s performance and many other factors assessed during the underwriting process.","Fees",{"_129":196,"_132":236},[197,202,205,208,213,216,219,222,225,228,233],{"_132":198,"_134":199},"How do I repay my loan?",[200,201],"Much like your card processing fees, payments are automatically deducted from your settlement account as a percentage of card transactions, until the loan amount and fee are paid in full.","This means repayment matches your business’s cash flow. The total amount owed (loan amount plus fixed fee) never changes. You may also make prepayments from your Dashboard without any prepayment penalties.",{"_132":203,"_134":204},"What is the repayment percentage?","The repayment percentage is the dollar amount automatically withheld from your business’s daily card transactions that goes toward repaying your loan.",{"_132":206,"_134":207},"When does repayment begin?","Repayment begins within 3 days of your loan being funded.",{"_132":209,"_134":210},"Is there a minimum payment?",[211,212],"Yes, loans have a minimum payment requirement. You will be able to wee the expected minimum payment based on the loan amount you choose when you go into your Dashboard to select your offer. The loan agreement also includes the minimum amount that must be repaid each payment period.","If the cumulative payments made for that payment period do not meet the minimum requirement, you will need to make a manual payment in your Dashboard to make up the difference. The minimum payment and the length of your payment period can be found in your Dashboard at any time for your loan.",{"_132":214,"_134":215},"What is a payment period?","The time frame during which the minimum payment must be met to keep the loan in good standing. The length of your loan's payment period can be found in your Dashboard if you have a loan offer or active loan.",{"_132":217,"_134":218},"What happens if I do not make a payment and don’t meet the minimum?","If you have not met the minimum payment requirement at the end of your payment period, your loan will enter Default. If a payment isn't made within 5 days of Default, Jaris may auto-debit your bank account for the difference owed. This may also affect your eligibility for a loan renewal.",{"_132":220,"_134":221},"Can I make additional payments toward my loan balance, independent of my sales?","Yes. You are welcome to make additional payments or even pay the loan in full with no prepayment penalties at any time in your Dashboard. Automatic withholdings will continue, even if you make additional payments through your Dashboard until your balance is paid in full. Manual prepayments like this take 5 days to settle. If there were any overpayments, they'll be refunded on the fifth business day after you paid off your loan.",{"_132":223,"_134":224},"Can I pay off my loan early?","Yes, you can pay off your loan at any time at no additional cost and without prepayment penalties in your Dashboard.",{"_132":226,"_134":227},"Will I see savings or have to pay an early repayment fee if I make additional payments?","No. Your fixed fee is determined at the time of application and won’t change as a result of additional payments. Additionally, there are no prepayment penalties if you make any prepayments or pay your loan off early.",{"_132":229,"_134":230},"What is the difference between the loan maturity and the estimated payback period?",[231,232],"Your loan matures at the end of your loan term. This maturity date is the date on which the loan is due and can be found in your loan agreement. Any outstanding balance due at the end of the loan term will be collected automatically via bank debit (ACH).","The estimated payback period is the period of time within which most loans are repaid given your daily card transactions and which may be shorter than your loan term.",{"_132":234,"_134":235},"What if my business is having difficulty?","Please contact Jaris immediately at [support@jaris.com](mailto:support@jaris.com) or by phone at (888) 802-2858 between 8 a.m. - 5 p.m. PST, Monday - Friday.","Repayment",{"_129":238,"_132":264},[239,242,246,249,252,255,258,261],{"_132":240,"_134":241},"Once I pay off this loan, am I eligible for a new one?"," will automatically evaluate your business for new offers once your loan is paid in full and, if eligible, you will again see a pre-offer in your Dashboard. Eligibility is based on a variety of factors related to your business, including payment processing volume, account history, transaction frequency, and numerous other attributes.",{"_132":243,"_134":244},"Why was my application declined after receiving a pre-offer?",[245],"We understand being declined can be disappointing, so we want to provide transparency for you. After you apply for a loan through Jaris Capital, your information goes through a more in-depth review process including looking at your personal credit history and most recent business performance. The reason your application was declined can be found in the email notice you received from [support@jaris.com](mailto:support@jaris.com).",{"_132":247,"_134":248},"What are the reasons for being declined?","There are various requirements that must be met to qualify for a loan. Some reasons for an application to be declined include material changes in the business’s performance, such as drops in transaction frequency or volume or bankruptcy.",{"_132":250,"_134":251},"Do you offer loans in all 50 States?","Yes, Jaris offers loans in all 50 U.S. states.",{"_132":253,"_134":254},"Why can’t I obtain a loan for less than $25,000 if my business is in Rhode Island?","Rhode Island requires additional obligations for companies offering loans of $25,000 or less. Jaris is working with state regulators to offer smaller loans, but until then, they can only offer loans greater than $25,000 to sole proprietors.",{"_132":256,"_134":257},"Why can’t I obtain a loan for less than $10,000 if my business is in New Mexico?","New Mexico requires additional obligations for companies offering loans of $10,000 or less. Jaris is working with state regulators to offer smaller loans, but until then, they can only offer loans greater than $10,000.",{"_132":259,"_134":260},"Why can’t I obtain a loan for less than $5,000 if my business is in Ohio?","Ohio requires additional obligations for companies offering loans of $5,000 or less. Jaris is working with state regulators to offer smaller loans, but until then, they can only offer loans greater than $5,000.",{"_132":262,"_134":263},"What if my business changes ownership or processor?","Please contact Jaris immediately at [support@jaris.com](mailto:support@jaris.com) or by phone at (888) 802-2858 between 8 a.m. - 5 p.m. PST, Monday - Friday","Eligibility","INSTANT_PAYOUT",{"_125":42,"_126":267},[268,282,297],{"_129":269,"_132":281},[270,275,278],{"_132":271,"_134":272},"What are Instant Payouts?",[273,274],"Instant Payouts allow you to transfer funds to an eligible debit card or bank account within minutes of a transaction for a small fee. Funds will appear in the associated account within 30 minutes.","Funds that are not paid out instantly will be processed according to your account’s standard payout schedule.",{"_132":276,"_134":277},"How do I apply?","If you are eligible for Instant Payouts, you will receive an invitation to apply in your dashboard. Applications are typically approved within the same business day. Once approved, you can start using Instant Payouts immediately.",{"_132":279,"_134":280},"How does it work?","1. Complete the click-through application.\n2. Once your application is approved, go to your Financial Services Home Page and select the Instant Payout product to view the Instant Payout dashboard.\nAlso, if enabled, you can issue an Instant Payout directly from your home screen.\n3. Select the amount you want to receive. You can enter up to the maximum amount available, subject to daily limits.\n4. Funds are paid out immediately and typically arrive at your payout destination within minutes.","How it works",{"_129":283,"_132":296},[284,287,290,293],{"_132":285,"_134":286},"How do I know if I have eligible funds?","Eligible merchants will see an available payout amount in your dashboard.",{"_132":288,"_134":289},"How often can I take an Instant Payout?","Funds can only be transferred using Instant Payouts once per day up to $9,999.99 per day.",{"_132":291,"_134":292},"Why do I see this available balance? I did more in sales than reflected.","Instant Payouts can be initiated for amounts between $100 and $9,999. Eligible amounts are shown in your dashboard.",{"_132":294,"_134":295},"Where does my remaining balance go if I do not take an Instant Payout?","Any outstanding balance will naturally settle in your account within 1 - 3 business days, excluding bank holidays.","Instant Payout Eligibility",{"_129":298,"_132":311},[299,302,305,308],{"_132":300,"_134":301},"How much is the fee?","The fee is displayed on the modal for the payout amount and is viewable from your Instant Payout dashboard.",{"_132":303,"_134":304},"Why are my Instant Payout funds no longer available?","We frequently evaluate your transactions; if you don’t see funds, check back later. Once available, eligible funds will be displayed in your Instant Payouts modal.",{"_132":306,"_134":307},"When can Instant Payouts be initiated?","Instant Payouts can be initiated 24/7, including on nights, weekends, and holidays, and funds typically settle in the associated bank account within a few minutes but may take up to 30 minutes. Subject to available funds.",{"_132":309,"_134":310},"What if I have a chargeback?","If a chargeback occurs, your balance will carry over to the next day’s transactions to repay the outstanding balance. Frequent chargebacks may affect your eligibility for future Instant Payouts.","Fees and Other Questions",{"_125":42,"_126":313},[314,348,361,381],{"_129":315,"_132":180,"_346":347},[316,320,327,329,331,333,335,339,343],{"_132":133,"_134":317},[318,319]," gives small businesses faster and easier access to capital compared to traditional commercial loans or merchant cash advances."," loans are fixed-fee and repaid via a percentage of your daily card sales. There are no periodic interest charges, monthly bills, late fees, or early payment penalties. Funds are deposited as soon as the next business day, allowing you to invest in your business right away – whether that means increasing inventory, purchasing equipment, hiring employees, or exploring new opportunities.",{"_132":321,"_134":322},"How do customers access loan offers?",[323,324,325,326],"We designed the entire flow to be simple:","1. Check your Dashboard or email for notification of a pre-approved offer. If one is available, you'll see an Apply Now button on the welcome page.\n2. Submit a quick application in your Dashboard. Applications are typically reviewed within one business day. If approved, you’ll be able to see your terms and select a loan amount up to the maximum you qualify for.\n3. Once you accept, we'll fund your bank account - typically within one business day. Begin using your funds!\n4. Repay automatically via a percentage of daily card sales. You can also make manual payments - or pay the loan in full - with no penalties!","The exact terms of your loan are always displayed on your Dashboard and can be found in the Pricing and Repayment Table in your loan agreement.","Please note: All loans through are issued by , and serviced by Jaris Lending, LLC.",{"_132":146,"_134":328},"It doesn’t! We run a *soft pull*, which does not create an inquiry on your credit report. Though your personal credit score plays a role in qualifying, your offer is based primarily on your business’ sales history.",{"_132":178,"_134":330},"Yes. Your offer is good for a limited time with a specific expiration date. If your offer expires, you can email support through the Capital section of the Dashboard.",{"_132":149,"_134":332}," loans are for business and commercial purposes only. Our customers use their loans to buy inventory or equipment, hire staff, open new locations, or help with temporary business cash flow needs.",{"_132":155,"_134":334},"After you select your desired loan amount in the Dashboard, you will be directed to digitally accept (and download) your agreement.",{"_132":158,"_134":336},[337,338]," requires a Performance Guaranty where Owners are personally responsible for ensuring that the business meets the obligations of the loan agreement. Depending on the size of your loan, you may grant the lender a first-lien security interest in the assets of the business as part of the loan agreement.","If your loan is over $500,000, additional performance guarantees are required by any affiliated companies to your business or by your beneficial owners' affiliated companies (as defined in the loan agreement). If your company does not have any affiliated companies, then beneficial owners will be required to submit a Personal Guaranty. These conditions are subject to the specific terms of the loan agreement.",{"_132":165,"_134":340},[341,342],"If your credit is locked or frozen, please contact Experian to allow our servicer, Jaris, to run the soft credit pull at the time you are completing the application. If they cannot perform the pull, the Jaris servicing team will contact you for assistance.","*Additionally, if you have a Fraud Alert on your credit report, the Jaris servicing team will reach out to verify your identity.*",{"_132":344,"_134":345},"How can I obtain my current (or past loan) statements?","You can access statements for current or past loans via your Dashboard at any time.","linkAnchor","how-it-works",{"_129":349,"_132":194,"_346":360},[350,353,358],{"_132":351,"_134":352},"What interest charges or fees do I pay with ?","Unlike traditional loans, only charges a single, fixed fee that you'll know before you sign an agreement. No ongoing interest charges, no hidden fees, and no late fees.",{"_132":354,"_134":355},"What is that fee?",[356,357],"The fee is the *total borrowing cost*, which is the one-time fixed fee. This fee is the difference between your loan balance and the loan amount.","For Example:\nLoan Amount - $2,000.00\nFixed Fee - $300.00\nTotal Amount Owed - $2,300.00",{"_132":192,"_134":359},"The fee is a formula based on your sales history, loan amount, and loan term.","fees",{"_129":362,"_132":236,"_346":380},[363,365,367,370,373,375,378],{"_132":198,"_134":364},"Loans are repaid through recurring bank (ACH) debits. Your agreement will outline the repayment terms and schedule.",{"_132":209,"_134":366},"Your loan agreement includes the minimum amount you must repay each payment period. If your cumulative payments for that payment period do not meet or exceed the required minimum payment, you will need to make a manual payment in the dashboard to make up the difference.",{"_132":368,"_134":369},"What happens if I make no payment and don't meet the minimum?","If you fail to meet the minimum payment requirement, your loan will enter Default. If a payment isn't made within 5 days of Default, we will auto-debit your account the difference owed.",{"_132":371,"_134":372},"Can I make additional payments toward my loan balance?","Yes. You are welcome to make additional payments or pay the loan in full with no early repayment fee. You can make manual payments at any time in the Dashboard. Expected payments or bank debits will continue, even if you make additional payments through the Dashboard until your balance is paid in full.",{"_132":223,"_134":374},"Yes, you can submit prepayments or pay off your loan at any time at no additional cost in the Dashboard.",{"_132":376,"_134":377},"Will I see savings or pay an early repayment fee if I make additional payments?","No. Your fixed fee is determined at the time of application and won’t change due to additional payments.",{"_132":240,"_134":379}," will automatically evaluate your business for new offers once your loan is paid in full. We are routinely reviewing your account for eligibility. Eligibility is based on various factors related to your Jaris account, including revenue, account history, and bank balances.","repayment",{"_129":382,"_132":406,"_346":407},[383,385,386,391,393,396,398,401,403],{"_132":152,"_134":384},"Once your application is approved, funds are transferred to your merchant bank account as soon as the next business day.",{"_132":206,"_134":364},{"_132":387,"_134":388},"Why was my application declined after receiving an offer?",[389,390],"After you receive an offer to apply for a loan through , your information goes through a verification process. The reason your loan was declined can be found in the email notification you received from [support@jaris.com](mailto:support@jaris.com).","We understand being declined can be disappointing, and we’d like to do our best to increase transparency behind this process.",{"_132":247,"_134":392},"There are various requirements that must be met in order to qualify for a loan. Some of the reasons for a loan to be declined include material changes in the company's health – such as delinquencies, decreasing revenue bankruptcy, or significant drop in credit scores.",{"_132":394,"_134":395},"Why was I declined for an additional loan?","We review every offer on a case-by-case basis, independently from any current loan. If your most recent request for a loan has been declined, it does not prevent future eligibility. We routinely review the eligibility of our customers. If your business becomes eligible for a loan again, you will see a pre-approved offer in your Dashboard. Offers are based on various factors, including revenue, account history, and bank balances.",{"_132":250,"_134":397},"We provide loans in all 50 states.",{"_132":399,"_134":400},"Why can't I obtain a loan for less than $25,000 if my business is in Rhode Island?","Rhode Island requires additional obligations for companies offering loans of $25,000 or less. We are working with state regulators to offer smaller loans, but until then, we can only offer loans greater than $25,000 to sole proprietors.",{"_132":256,"_134":402},"New Mexico requires additional obligations for companies offering loans of $10,000 or less. We are working with state regulators to offer smaller loans, but until then, we can only offer loans greater than $10,000.",{"_132":404,"_134":405},"What if my business is having difficulty, or changes ownership/processing?","Please contact our servicing partner, Jaris Lending, LLC, immediately at [support@jaris.com](mailto:support@jaris.com) or by phone at (888) 802-2858 between 8 a.m. - 5 p.m. PST, Monday - Friday.","Payment Logistics & Timing","payment","bankInfo",{"_80":410,"_411":412,"_413":414},"FIB","name","First Internet Bank of Indiana, Member FDIC","websiteUrl","https://www.firstib.com/","rawPartnerName","actionData","errors"]

FAQ

Loan and Repayment

How It Works

Fees

Repayment

Payment Logistics & Timing