# Business Funding | Working Capital, SBA, Equipment > Working capital, expansion, equipment, real estate, invoice factoring, SBA, startup capital, and credit improvement, arranged nationwide by Cheri Muniz. Canonical page: https://ascendfinancialwellnessgroup.com/business-funding # Funding to start, grow, and scale your business Working capital, expansion, equipment, real estate, invoice factoring, SBA and long-term loans, startup capital, and credit improvement, arranged nationwide. Cheri's background in lending means you get a straight answer about what you qualify for. [Start a Funding Review](https://lendtrack.ai/partner/ascend-financial-wellness-group) [(916) 597-0314](tel:+19165970314) ## Find out which funding you pre-qualify for Answer a few quick questions and see your funding options instantly. No credit impact. No obligation. 500+Lending partners 24-HourDecisions 4.9/5Customer rating - No obligation consultation - Compare multiple lender offers - Flexible terms from 3 to 60 months - Funding as fast as 24 hours - No impact on credit score - Dedicated funding specialist [See My Funding Options](https://lendtrack.ai/partner/ascend-financial-wellness-group) ## What kind of funding can your business actually get? It depends on three things: how long you have been operating, how much revenue is coming in, and what the money is for. A new business with no revenue and a five-year-old company buying its building do not qualify for the same programs. Cheri helps business owners and professionals across the country secure funding to start, grow, and scale. The intake is a short conversation, not a stack of forms, and it tells you which of the funding goals below is realistic before anyone pulls credit. - Pre-revenue and new businesses. Startup funding built on the owner's personal credit profile rather than business history. - Operating businesses that need cash fast. Working capital and invoice factoring sized to your deposits and receivables, often funded in days. - Owners buying property or equipment. Commercial real estate lending and equipment finance, including owner-occupied buildings. - Established companies with strong paperwork. SBA and long-term loans with lower rates, in exchange for more documentation. - Owners growing the business. Expansion capital for a second location, a bigger team, or a new line. - Files that are not fundable yet. Credit improvement first, so an application is not run into a decline. ## Eight funding goals, one application Tell the application what you are trying to do and it matches you to the programs you realistically qualify for. Cheri is the named partner on the application you submit through, and she reviews every file personally. ### Working capital Cash to cover payroll, inventory, or a slow season. Sized to your monthly deposits and structured so repayment tracks the money actually coming in. ### Business expansion Capital for a second location, a bigger team, or a new line. Underwritten on your track record, so the stronger the last twelve months, the better the terms. ### Equipment purchase Financing tied to the equipment itself, which usually serves as the collateral. Often the cheapest money available to a business with a specific machine or vehicle in mind. ### Real estate Purchase, refinance, or cash-out on commercial property. Underwritten on the property and the business together, with appraisal and title work built into the timeline. ### Invoice factoring Advance against invoices you have already issued but not been paid on. Turns receivables into cash now, which fits businesses whose customers pay on 30, 60, or 90 day terms. ### SBA and long-term loans Government-guaranteed loans with terms up to 10 years for working capital and up to 25 for real estate. The best rates most small businesses can get, in exchange for the most paperwork. ### Startup funding Capital for businesses under two years old or with little revenue. Approval leans on the owner's personal credit, so a clean report matters more than a long track record. ### Credit improvement If the file is not fundable yet, the work is fixing what is holding it back. Cheri will tell you that plainly rather than run an application that ends in a decline. ### Private wholesale lending Access to private wholesale lending for qualified projects seeking larger, more flexible financing outside of traditional bank lending. Built for borrowers with substantial qualifying capital who need institutional-level funding for strong, well-structured projects. Every opportunity is reviewed individually. ### Film and entertainment financing Private financing for qualified film and entertainment projects. Designed for producers who have already raised qualifying capital and are seeking additional funding to move a project forward. Every opportunity is reviewed individually. ## How do the main options compare? General ranges for the market as a whole, not an offer. Your numbers come out of the review. ConsiderationStartup fundingRevenue-basedReal estateSBA loan Speed to funding1 to 3 weeksA few business days30 to 60 days or more30 to 90 days Typical amount range$10,000 to $150,000$10,000 to $500,000$250,000 to several million$50,000 to $5 million What you needGood personal credit, an EIN, a business bank account6 months or more of deposits, recent bank statementsProperty details, appraisal, 2 years of financials, down payment2 years in business, tax returns, financial statements, a business plan Best forLaunching, first inventory, early equipmentBridging cash flow, a fast opportunity, seasonal stockBuying or refinancing the building you operate inExpansion, acquisitions, refinancing expensive debt ### Startup funding Speed 1 to 3 weeks Typical range $10,000 to $150,000 What you need Good personal credit, an EIN, a business bank account Best for Launching, first inventory, early equipment ### Revenue-based financing Speed A few business days Typical range $10,000 to $500,000 What you need 6 months or more of deposits, recent bank statements Best for Bridging cash flow, a fast opportunity, seasonal stock ### Real estate lending Speed 30 to 60 days or more Typical range $250,000 to several million What you need Property details, appraisal, 2 years of financials, down payment Best for Buying or refinancing the building you operate in ### SBA loan Speed 30 to 90 days Typical range $50,000 to $5 million What you need 2 years in business, tax returns, financial statements, a business plan Best for Expansion, acquisitions, refinancing expensive debt Amounts, timelines, and requirements are general industry ranges and vary by lender and program. Revenue-based financing is highlighted for speed, not for cost. Nothing here is a commitment to lend. ## What decides the rate and the amount? Six factors, roughly in order of weight. Two of them you can improve before you apply, and one of them you can fix this week. Time in business Two years opens most doors, including SBA. Under a year narrows the list to startup and revenue-based programs. Revenue Lenders size the offer to monthly deposits and annual sales. Consistent revenue counts for more than one big month. Credit score The owner's personal score sets the rate on most programs. Higher scores widen the options and lower the cost. Use of funds Equipment, property, or expansion with a clear return is easier to fund than an unspecified cushion. Collateral Property, equipment, or receivables lower the lender's risk and the rate. Many revenue-based programs need none. Documentation readiness Tax returns, bank statements, and a profit and loss statement ready to send. This is the one you can fix this week. ## Nationwide funding, arranged directly by Cheri Business funding is not an insurance product, so Cheri can serve business owners nationwide. Through Ascend's business funding platform, she connects owners with several proprietary and private lending options. Her experience matters. Before founding Ascend Financial Wellness Group, Cheri built her career in mortgage banking, working in management, loan origination, and underwriting. She understands the lending process from every angle and knows how lenders evaluate a file. That experience allows her to provide business owners with a realistic picture of their funding options, not a list of empty promises. About your credit. The initial review may use a soft credit pull or no credit pull at all. A hard inquiry only occurs when you select a lender and move forward with a full application. Cheri will make sure you understand each step before proceeding. [Visit Cheri's Ascend Financial Wellness Group Funding Page](https://lendtrack.ai/partner/ascend-financial-wellness-group) ## From intake to money in the account 1 ### Intake call Time in business, revenue, credit range, and what the money is for. About 20 minutes, no hard credit pull. 2 ### Program match The programs you realistically qualify for, with speed, cost, and paperwork laid out side by side so you can choose. 3 ### Application and funding Documents submitted through the partner platform, lender questions handled, and funds wired on the lender's timeline. ## Business funding questions ### What kinds of business funding are available? Working capital, business expansion, equipment purchase, real estate, invoice factoring, SBA and long-term loans, startup funding, and credit improvement are the main categories. The right option depends on time in business, revenue, credit, and what the money is for. A quick intake shows which programs you could realistically qualify for before anyone pulls credit. ### Does applying for business funding hurt my credit? The initial review does not. Prequalification uses a soft pull or none at all. A hard inquiry only happens when you choose a specific lender and submit a full application. Cheri will tell you which stage you are at so there are no surprise inquiries on your report. ### How fast can a business get funded? Revenue-based and working capital programs can fund in a few business days. SBA and real estate loans take weeks because of documentation and appraisals. Having tax returns, bank statements, and a clear use of funds ready shortens every timeline. ### Can life insurance protect my business? Yes. Key person insurance pays the company if an owner or essential employee dies. Buy-sell agreements funded with life insurance let surviving partners buy out the deceased partner's share without draining the business. Lenders also often require life insurance on the owner as a condition of an SBA loan, which is one reason funding and life insurance sit side by side in this practice. ## Find out what your business qualifies for A free funding review with Cheri. Bring last year's numbers and a clear use of funds, leave with a realistic list of programs. [Start a Funding Review](https://lendtrack.ai/partner/ascend-financial-wellness-group)[(916) 597-0314](tel:+19165970314) --- Ascend Financial Wellness Group · (916) 597-0314 · cheri@ascendfinancialwellnessgroup.com · Roseville, CA Powered by [Launch Automation](https://launchautomation.ai/websites)