Everything you need to know about business financing with Mondra Capital — from eligibility and products to the application process and funding timelines.
Mondra Capital helps business owners access financing — from lines of credit and term loans to SBA loans, HELOCs, DSCR loans, and more. We review your profile, analyze your options, and work to get you funded as fast as possible.
Click 'Apply Now' anywhere on our site. The application takes under 5 minutes. No obligation and no impact to your credit score — we use a soft inquiry to assess your options.
No. Our application and consultation is completely free. Fees are only collected when a deal is funded — you pay nothing out of pocket to explore your options.
It depends on the product. Working capital and lines of credit can fund in 24–48 hours. HELOC and DSCR loans can close in 5 days. SBA loans typically take several weeks. We'll set clear expectations upfront.
We serve businesses across all 50 states for most products. Some products like HELOC and DSCR have state-specific eligibility. We'll confirm availability for your situation.
It varies by product. Some working capital and factoring products have no hard minimum — focusing on revenue and cash flow. Lines of credit start at 550+, term loans at 600+, HELOC at 640+, and DSCR at 680+. We work with all credit profiles.
Some products are available after 6 months. SBA loans and certain term loan products prefer 1–2 years. We'll identify what's available based on your specific timeline.
Most working capital and line of credit products start at $10K–$15K monthly revenue. Some products have no revenue minimum and focus on assets or property value instead.
Yes — options exist for credit scores as low as 500 for some products. Equipment financing, invoice factoring, and asset-backed products often have more flexible credit requirements.
Yes. Options are more limited but they exist — equipment financing, certain SBA programs, and asset-backed products may be available. We specialize in finding what works for your stage.
A line of credit is revolving — draw, repay, and draw again. A term loan is a lump sum repaid on a fixed schedule. Lines of credit are better for ongoing cash flow needs; term loans for defined one-time investments.
Invoice factoring is not a loan. It's the sale of your accounts receivable to a factoring company at a small discount. You get cash now, the factoring company collects from your customer. No debt added to your books.
A Debt Service Coverage Ratio loan is an investment property loan that qualifies based on the rental income the property generates — not your personal income, W-2s, or tax returns. Ideal for real estate investors.
A Home Equity Line of Credit is a line of credit secured by the equity in your home. Business owners often use HELOCs to access capital at favorable terms — up to $750K, without giving up their existing mortgage rate.
It varies by product. Lines of credit and working capital can reach several hundred thousand. Term loans and SBA can reach $5MM+. HELOCs go up to $750K. DSCR loans up to $1MM. Your specific maximum depends on revenue, credit, and other factors.
No. We use a soft credit inquiry during the initial review — no impact to your score. A hard pull only occurs when you move forward with a specific lender, and we always notify you before that happens.
For most business financing: recent bank statements (3–6 months), a completed application, and basic business information. Some products require additional documents. We'll provide a specific checklist based on your product.
We review your profile, identify the strongest available programs, and present you with the best options — typically 2–4 offers to compare.
Our team reviews your application and contacts you within one business day. We'll discuss your goals, confirm any needed documents, and present financing options tailored to your situation.
Sometimes yes. A line of credit alongside a term loan, or a HELOC alongside a business credit product, can work in parallel. We'll assess what makes sense based on your full financial picture.
The minimum DSCR ratio is 1.0 — meaning the property's rental income must at least cover the monthly loan payment. A ratio of 1.1 or higher unlocks better LTV and loan amount options.
For HELOC, most loans under $400K use an Automated Valuation Model (AVM) — no appraisal required. For DSCR, loans under $400K can use a BPO or AVM. Loans over $400K for both products typically require a full appraisal.
Yes. Available for both natural persons and LLC entities. For LLC-held properties, all borrowers must be members with at least 51% collective ownership of the LLC.
Both can close in as few as 5 days with active borrower engagement and electronic notary. Bridge loans can often close in days. Traditional commercial real estate loans typically take several weeks.