Question 1

What does Global Funding Advisers do?

Accepted Answer

Global Funding Advisers is a business funding advisory firm that connects small businesses, entrepreneurs, investors, and commercial borrowers with the right capital solutions. We work with a wide network of lenders to find funding when traditional banks say no — covering everything from working capital and equipment financing to commercial real estate and SBA loans.

Question 2

What types of businesses do you work with?

Accepted Answer

We work with businesses across virtually every industry — startups, established companies, franchises, real estate investors, and more. Whether you're a sole proprietor or a multi-location operation, we can evaluate your funding options. We specialize in businesses that have been turned down by traditional banks or need faster, more flexible capital.

Question 3

How do I get started?

Accepted Answer

The easiest way to start is to fill out our funding application. It takes just a few minutes and gives us the information we need to match you with the right lenders. You can also call Gary Hughey directly at (562) 708-4325 to discuss your situation before applying.

Question 4

Is there a cost to use your advisory services?

Accepted Answer

There is no upfront cost to work with us. We are compensated by lenders when a deal closes — so you pay nothing out of pocket to explore your options and get matched with funding solutions.

Question 5

How long does the funding process take?

Accepted Answer

It depends on the type of funding. Working capital and revenue-based financing can close in as little as 24–72 hours. Equipment financing typically takes 3–7 business days. SBA loans and commercial real estate financing can take 30–90 days depending on complexity. We always work to move as fast as the lender and documentation allow.

Question 6

What credit score do I need to qualify for business funding?

Accepted Answer

Credit score requirements vary by program. Some working capital and revenue-based financing programs approve businesses with scores as low as 500. Equipment financing often requires 600+. SBA loans typically require 650+. Commercial real estate financing generally requires 680+. We work with programs across the credit spectrum — don't assume you won't qualify without checking.

Question 7

How long does my business need to be operating to qualify?

Accepted Answer

Many of our programs require at least 6 months in business, though some lenders work with startups under 6 months with the right collateral or personal credit. SBA loans and commercial real estate typically require 2+ years in business. We'll assess your specific situation and find the best available options.

Question 8

What revenue does my business need to qualify?

Accepted Answer

Revenue requirements vary by program. Working capital loans often start at $10,000/month in gross revenue. Equipment financing is more asset-driven and may have lower revenue thresholds. Revenue-based financing typically requires at least $15,000–$20,000/month. We'll match you with programs that fit your actual revenue.

Question 9

Can I get funding if I have a tax lien or judgment?

Accepted Answer

Yes, in many cases. Some lenders will work with businesses that have open tax liens or judgments, particularly if there is a payment plan in place or the lien is being resolved. It depends on the severity, the type of funding, and other factors. We'll be upfront about what's available for your situation.

Question 10

Do I need collateral to get a business loan?

Accepted Answer

Not always. Unsecured working capital loans and revenue-based financing require no collateral. Equipment financing is self-collateralized by the equipment itself. Commercial real estate loans use the property as collateral. Asset-based lending uses receivables, inventory, or other business assets. We have both secured and unsecured options.

Question 11

What is the difference between a business loan and a merchant cash advance?

Accepted Answer

A traditional business loan provides a lump sum repaid in fixed monthly installments with a set interest rate. A merchant cash advance (MCA) provides capital in exchange for a percentage of future sales — repayment fluctuates with your revenue. MCAs are faster and easier to qualify for but typically more expensive. We help you understand the true cost of each option.

Question 12

What is revenue-based financing?

Accepted Answer

Revenue-based financing provides capital in exchange for a fixed percentage of your monthly revenue until a set repayment amount is reached. Payments go up when revenue is high and down when revenue is low — making it ideal for businesses with seasonal or variable income. It's faster than a bank loan and doesn't require collateral.

Question 13

What is a bridge loan and when would I need one?

Accepted Answer

A bridge loan is short-term financing that "bridges" a gap — typically between a current need and a longer-term financing solution. Common uses include covering costs while waiting for a commercial real estate deal to close, funding operations while an SBA loan is being processed, or financing a time-sensitive acquisition. Bridge loans close quickly but carry higher rates.

Question 14

How does accounts receivable financing work?

Accepted Answer

Accounts receivable (AR) financing lets you borrow against your outstanding invoices. Instead of waiting 30–90 days for customers to pay, you get an advance of 70–90% of the invoice value immediately. When your customer pays, you receive the remaining balance minus fees. It's ideal for B2B businesses with slow-paying clients.

Question 15

What SBA loan programs are available?

Accepted Answer

The most common SBA programs are the SBA 7(a) loan (general purpose, up to $5M), the SBA 504 loan (commercial real estate and equipment, up to $5.5M), and the SBA Express loan (faster approval, up to $500K). SBA loans offer the best rates and longest terms of any small business financing — but they require strong documentation and take longer to close.

Question 16

Can I finance commercial real estate through Global Funding Advisers?

Accepted Answer

Yes. We arrange commercial real estate financing from $250,000 to $100M+ for multifamily, office, retail, industrial, hospitality, mixed-use, and owner-occupied properties. We work with conventional lenders, bridge lenders, CMBS, and private capital sources to find the right fit for your property and timeline.

Question 17

What documents do I need to apply for business funding?

Accepted Answer

Basic requirements include: 3–6 months of business bank statements, a completed application, and a government-issued ID. Depending on the program, you may also need business tax returns (1–3 years), a profit & loss statement, accounts receivable aging report, or a business plan. We'll tell you exactly what's needed for your specific program.

Question 18

Will applying hurt my credit score?

Accepted Answer

Our initial inquiry is a soft pull that does not affect your credit score. A hard pull only occurs when you formally apply with a specific lender and only with your authorization. We'll always tell you before any hard inquiry is made.

Question 19

How do I know which funding program is right for my business?

Accepted Answer

That's exactly what we do. After reviewing your application and financials, we assess your goals, timeline, credit profile, and business type to recommend the best-fit programs. We present options with clear terms so you can make an informed decision — no pressure, no surprises.

Question 20

What happens after I submit my application?

Accepted Answer

Gary Hughey personally reviews every application. You'll hear back within 1 business day with an initial assessment and a list of any additional documents needed. From there, we submit to the appropriate lenders, manage the process, and keep you updated at every step through to closing.

Question 21

Can I apply for multiple funding programs at once?

Accepted Answer

Yes. In some cases, a combination of funding types is the best strategy — for example, pairing working capital with equipment financing, or using a bridge loan while an SBA loan is being processed. We'll identify any stacking opportunities that make sense for your situation.

Question 22

What interest rates can I expect on a business loan?

Accepted Answer

Rates vary widely by program and creditworthiness. SBA loans typically range from 6–11% APR. Equipment financing ranges from 5–20%. Working capital loans range from 8–25%. Revenue-based financing and MCAs are priced as a factor rate (1.15–1.50x) rather than an APR. We always present the true cost of capital so you can compare options accurately.

Question 23

How much can I borrow?

Accepted Answer

Loan amounts depend on the program and your business financials. Working capital loans typically range from $10,000–$500,000. Equipment financing can go up to the full cost of the equipment. SBA loans go up to $5M. Commercial real estate financing starts at $250,000 with no hard ceiling. We'll tell you your realistic range after reviewing your application.

Question 24

What repayment terms are available?

Accepted Answer

Terms range from 3 months (short-term working capital) to 25 years (SBA real estate loans). Equipment financing typically runs 2–7 years. Commercial real estate loans run 5–30 years. Revenue-based financing runs until the agreed repayment amount is reached, usually 6–18 months. We match you with terms that fit your cash flow.

Question 25

Are there prepayment penalties?

Accepted Answer

It depends on the lender and program. Some working capital products have prepayment discounts (you pay less if you pay early). SBA loans may have prepayment penalties in the first 3 years. Commercial real estate loans often have yield maintenance or step-down prepayment provisions. We'll flag any prepayment terms before you sign.

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