FAQs

Application

1How do I apply?

You can apply entirely online. Click here to fill out the application.
You can also speak with one of our experts who will help you through the process.

2 What do I need to include in the application?

Three months’ bank statements
Simple application with personal information

3 When will I hear back about my offers?

We normally provide an offer within 24-48 hours of receiving your signed application and the last 3 months of business bank statements

4 How long does it take to actually get the money?

Our funding usually occurs within 24-48 hours after a client decides on the financing option right for them

5 How long does the application process take?

Our application process takes under 10 minutes

6Can I apply if my credit score is low?

Yes, many of our lenders are willing to work with clients who have imperfect credit histories.

7 How much funding can I receive for my business?

JCS provides anywhere between $5,000 and $2,000,000 for your business, depending on your company’s specific needs and your qualifications.

8 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.

Qualifications

1 What are the minimum requirements to qualify?

Credit score must be 500+
Operational for at least 3 months
Reside in the U.S.

2Can I apply if I already have business loans?

Yes, our lenders are willing to work with clients in all kinds of financial situations.

3Does bankruptcy disqualify me?

No, many lenders in our network work with clients who have previously filed for bankruptcy.

However, we do not work with companies who have ongoing bankruptcy cases.

4Do you work with businesses everywhere?

We work with businesses in all U.S. states.

Types of Funding

1Are there restrictions on how I use the funding?

If the money is used to grow or improve your business, there are no limitations on how you use the funding.

2What types of financing do you offer?

We offer numerous financing products, including business lines of credit, term loans, and quick access capital.

3Is collateral required?

None of our financing products require collateral unless the client specifically requests for a product that does.

4Will this financing affect my personal credit score?

No! The financing we offer is strictly under business, not personal. This means any financing you take with us will solely be used to build your business credit, not impact your personal credit score. Credit may be pulled up front upon application, however a soft credit pull can be requested if credit pulls are a concern.

Fees

1Are there any fees to apply?

No, JCS does not charge you any fees to apply for funding.

2Will 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.

3What 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.

4How do I pay?

Payment is done through regular transfers from your business checking account

5What does the pay schedule look like?

Our lenders offer various repayment schedules, including daily, weekly, bi-weekly, or monthly.

6Am 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.