Frequently Asked Questions
1. Is there any obligation to apply or look at options?+
No. There is zero obligation and zero cost to apply or review your available funding options. If the options are not the right fit, you can simply decline and move forward with no costs associated.
2. How long does it take to actually get the money?+
Funding can occur as quickly as 24-48 hours after a client decides on the financing option right for them.
3. Can I apply if I am not located in the U.S.?+
Currently, we only accept applications from clients whose businesses are in the United States.
4. Can I apply if my credit score is low?+
Yes, many of our lenders are willing to work with clients who have imperfect credit histories.
5. Are there any fees to apply?+
No, JCS does not charge you any fees to apply for funding.
6. Will I be charged a fee to pay early?+
No, in fact we work with your lenders to offer a discount if you pay it back early.
7. What are the rates like?+
Our offers vary depending on the applicant, so it is unclear what rate you will receive until your application has been processed. We work to find you the best offers with the lowest rates and longest terms, and those decisions will depend on your business cash flow, credit history, operating time, and industry.
Fill out our no-risk, no-commitment application to find out what kind of rate we can offer you.
8. How do I pay?+
Payments are set up as automated drafts from your FDIC-insured business bank account, based on the payment schedule tied to the funding option you choose. Our team walks you through the payment structure before you accept, so you know exactly what to expect.
9. What does the pay schedule look like?+
Our lenders offer various repayment schedules, including daily, weekly, bi-weekly, or monthly.
10. Am I required to change my business credit card?+
No, our lenders do not require you to change processors and we work with businesses that do not accept credit cards as well.
Still have questions?
Talk to a funding specialist
Start your application or give us a call and we’ll help you understand the next step without pressure or confusion.