The questions owners actually ask, including the awkward ones.
How this works, what it costs, and why applying commits you to nothing.
No. Berkley is not the lender. Your funding comes from a third-party funding partner who makes the decision and sets the terms, all disclosed before you sign anything.
Going direct gets you one answer from one company. Through us it’s one application and a set of offers to compare. If going direct is the better move for you, we’ll say so.
Enough to give you real options. We’ll tell you which ones work with businesses like yours and why. Fit matters more than a headline number.
No. We arrange your funding rather than issue it. Our funding partners handle their own licensing in the states where they operate.
A year in business and $25,000 a month through a business account. Approvals are based on business health and revenue. Apply no matter your situation, because there are funding options for most business owners with revenue and bank history.
No. We focus on your revenue, bank statements, and overall business health. Credit is typically not required unless requested by a funding partner, and you’ll know before that happens.
Often, yes. Credit is one input. Business health and revenue matter more, which is why a lower score on its own will not stop you. Apply and find out what’s possible.
That is very common and it does not disqualify you. Tell us what you’re carrying and we’ll help you determine if payoff or second position gives you the best opportunity.
Apply and let us look. Some funding partners work with businesses under a year and we know which ones. If waiting a couple of months gets you materially better pricing, we’ll say so.
Most industries are a fit. The short list our funding partners don’t cover is on the restricted industries page, and you’ll know either way in the first conversation.
You’ll see it in plain dollars. What you receive, what you pay back in total, and your repayment schedule. Pricing is set on your numbers, so we quote once we’ve seen them.
A multiplier, not an interest rate. A factor rate of 1.30 on $100,000 means you remit $130,000 in total. It does not compare directly to an APR. See what is a factor rate.
Fixed amounts pulled from your business account on a set schedule, agreed at closing. Weekly is easier on cash flow and worth asking for. We ask for you.
Many funding partners discount early payoff, and some do it meaningfully. We ask that question on every offer, so you know the number before you sign.
Usually, and it’s routine. A UCC-1 is a public notice that a funding partner has an interest in your receivables. It isn’t a lien on your property and it isn’t a judgment. See what is a UCC filing.
The short application and three months of bank statements. A voided check and ID come after we’ve talked.
No. Download three months of statements as PDFs and attach them. We don’t need your login and we won’t ask for it.
Apply today and you’ll hear from us today. With clean numbers funding can move in a day or two. Send complete statements up front and you keep it moving.
Not at all. You see what comes back and decide from there. No obligation, either way.
Call and ask. You’ll talk to someone who can actually answer it.
Apply in minutes. Funded in 24 hours.
Berkley Financial Group LLC is an independent sales organization, not a lender. Funding is provided by third-party funding partners, who make the credit decision and set the terms. Not a commitment to fund. All financing subject to the funding partner’s approval.