Frequently Asked Questions

Applying for Funding

Is there a cost or obligation when I apply?

No. Applying for funding with Keystone Funding is completely free and carries no obligation. You only move forward if you choose to accept a funding offer that works for your business.

The funding amount depends on your business’s revenue, stability, and funding needs. Our team evaluates each business individually to recommend a package that fits your unique situation.

Keystone Funding streamlines the process so businesses can receive funding in just a few days after approval. Once approved, funds are transferred quickly to keep your operations running smoothly.

Qualifying for Funding

How do I know if I qualify for working capital funding?

Businesses of all sizes and industries may qualify, as long as they have a consistent revenue history and clear financial records. We assess each application individually to match you with the right funding solution.

Credit history is considered but is not the deciding factor. Keystone Funding evaluates your overall business performance, cash flow, and growth potential to determine eligibility.

Yes, a soft credit check is typically performed during the review process. This does not impact your personal credit score.

Funding Terms

What is the typical length of a funding agreement?

Term lengths vary depending on the type of funding. Working capital solutions are designed to be short-term and flexible, while business term loans can be structured for longer repayment periods tailored to your growth goals.

No. Once your funding is approved, you can use the capital to support day-to-day operations, stabilize cash flow, or pursue growth initiatives — the choice is yours.

Repayment schedules are clear and transparent, designed to align with your business’s cash flow. You’ll know exactly what to expect from the start, without surprises.

Absolutely. Keystone Funding allows early repayment without penalties, giving you flexibility and potential savings on interest.

Your Best Option

Why Choose a Working Capital Loan Instead of a Merchant Cash Advance?

Working capital funding offers several advantages over traditional merchant cash advances:

  1. Flexible funding amount – Unlike merchant cash advances, your funding is based on your overall business performance, not just debit or credit card transactions.

  2. Predictable repayment schedule – Payments are structured, so you can plan ahead without daily fluctuations affecting your cash flow.

  3. No interference with your accounts – You maintain full control over your banking and payment processing, unlike some merchant cash advance arrangements.

Designed for growth and stability – Working capital funding is tailored to help your business navigate challenges, seize opportunities, and maintain operational momentum, without unnecessary restrictions.

Still Have Questions?

If your question isn’t listed here, our team is ready to provide personalized guidance. Whether you’re a business owner seeking funding or an investor exploring structured opportunities, Keystone Funding makes the process simple, fast, and transparent.
Take the next step today and discover how our solutions can help your business grow or your investments perform.