Questions, answered plainly

No. Applying, getting matched, and reviewing offers is free. You pay nothing to Stone Bridge unless a deal funds.

The funding partner pays us a placement fee when your deal funds. On most products that fee is built into the offer you see, so there is no separate invoice from us. Where a fee is charged to you directly, it is disclosed in writing before you sign.

Origination fees, ACH fees, and prepayment terms are all listed in the funding agreement. We go through that page with you line by line before signing. If a partner tries to add a fee after approval, we walk.

Merchant cash advances fund in 24 to 48 hours after signing. Lines of credit and cards take a few days. Term loans take up to a week because they require more documentation.

Missing bank statements, a mismatch between the application and the statements, and slow responses to a funder's questions. If you send complete documents on day one, most files are decided the same day.

Getting matched and seeing offers uses a soft pull, which does not affect your score. A hard pull only happens if you accept an offer that requires one, and we tell you before that happens.

Often, yes. Merchant cash advances and some lines of credit are underwritten on revenue rather than credit score. Term loans and credit cards are more credit-sensitive.

Usually, if the existing one is more than half paid and the business can support the combined payments. We will tell you honestly if the stack is getting too heavy.

Around $10,000 a month for most products. Below that, business credit cards are usually the only option.

A one-page application and your last four months of business bank statements gets almost every file started. Term loans add tax returns and a profit and loss statement.

No. You see terms side by side and can decline all of them. There is no obligation at any point before you sign a funding agreement.

The funding partner services the account — payments, payoff letters, renewals. We stay involved: if something goes wrong, call us first and we will get it fixed.

You can. The advantage of a broker is that one application reaches a dozen funders, and you see competing terms instead of one take-it-or-leave-it offer. We also know which funders like which industries, so files land where they get approved.

No. Stone Bridge Funding Group is a business funding broker. We place your file with funding partners and lenders. Terms, approval, and servicing are theirs.