Question 1

What types of businesses qualify?

Accepted Answer

We work with established operating businesses — logistics and trucking companies, manufacturers, contractors, trades, fleet-heavy operations, and other businesses that get real work done. Fit typically depends on how long you've been operating, your business revenue, and the funding option you're reviewing. There's no single checklist; we look at the whole picture.

Question 2

How fast can funding happen?

Accepted Answer

It depends on the option and how quickly documents come together. Some reviews move quickly; others take longer, especially when more information is needed. We'd rather give you a straight timeline than promise same-day funding we can't stand behind. Once we understand your situation, we'll tell you what to realistically expect.

Question 3

Does applying affect my credit?

Accepted Answer

Submitting an inquiry is a conversation — you're sharing basic details so we can understand your business. Depending on the funding option and provider, a credit review may be part of evaluating an actual offer. We'll explain what's involved before anything moves forward, so there are no surprises.

Question 4

What documents are typically needed?

Accepted Answer

It varies by option, but you can typically expect to share basic business details, a revenue estimate, owner contact information, and often recent bank statements. Depending on the review, additional documents may be requested. We only ask for what's relevant to the option you're considering.

Question 5

What funding options are available?

Accepted Answer

We help business owners review three core options: a term loan (a set amount with structured repayment), working capital (flexible funding for day-to-day operating needs), and a line of credit (access to capital as needs come up). Which one fits depends on what you're solving for.

Question 6

How does repayment generally work?

Accepted Answer

Repayment depends on the funding option and the terms you're approved for. A term loan generally follows a structured schedule, while working capital and lines of credit can work differently. Before you accept anything, you'll be able to review the specific terms so you know exactly how repayment is structured.

Question 7

Is funding guaranteed?

Accepted Answer

No. Nothing here is a commitment to lend, and all funding is subject to approval. We won't tell you you're 'pre-approved' or guarantee an outcome. What we can do is help you understand your options clearly and walk through realistic next steps.

Question 8

Is Ferrovan Capital a bank or direct lender?

Accepted Answer

Ferrovan Capital helps business owners review business funding options. Specific funding terms and provider details should be reviewed before accepting any offer. Our role is to make the options clear and the process straightforward.

Straight answers to common questions

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