Frequently Asked Questions
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Q: What does Aequitas Business Solutions do? A: Aequitas Business Solutions is a premier online platform that helps small businesses secure financing. We connect business owners with a network of trusted lenders to provide tailored funding solutions—from SBA 7(a) loans and term loans to specialized financing options—ensuring that you have the capital needed to grow and succeed.
Q: If you don't charge me, how do you make money? A: At Aequitas Business Solutions, our platform is designed to serve your needs without any out-of-pocket expenses. We partner with distinguished lenders who compensate us for connecting them with high-quality business opportunities, ensuring you receive top-tier lending options seamlessly—at no cost to you.
Q: What is an SBA loan and what are its benefits? A: An SBA loan is a small business loan that is partially backed by the U.S. Small Business Administration and typically issued by a bank. Our SBA 7(a) loan, for example, ranges from $30,000 to $350,000 and is designed to offer favorable terms for working capital, new equipment purchases, or refinancing existing business debt (excluding real estate). Eligibility is based on factors such as industry, time in business, and credit history.
Q: How does the SBA loan process work with Aequitas? A: We guide you through every step—from preparing your loan application to matching you with one of our preferred lenders for review and funding. Our streamlined process is designed to reduce paperwork and accelerate approval times, so you can access funds quickly and efficiently.
Q: What if my business has been turned down by a bank before? A: Many businesses that have faced previous rejections have successfully secured financing through our network. Aequitas Business Solutions works diligently to match you with lenders who are more likely to understand your unique situation and offer the right funding solution.
Q: What alternatives do I have if I don’t qualify for an SBA loan? A: If your business does not meet the criteria for an SBA loan, we offer alternative options such as Bank Term loans and financing through non-bank lenders. Our team will work with you to explore the best available solutions based on your business’s needs and financial profile.
Q: Will applying for a loan affect my credit score? A: No, the pre-qualification process at Aequitas Business Solutions involves a soft pull on your credit report, which does not impact your score. A hard pull is only conducted when your loan application moves into the funding stage, and that inquiry will appear on your credit report at that time.
Q: How does Aequitas ensure the security of my data? A: Data security is a cornerstone of our operations. We use advanced encryption protocols—comparable to those employed by leading financial institutions—and partner with Wix Secure Site to protect all transactions with up to 256-bit SSL encryption. We continuously monitor our systems to safeguard your personal and financial information.
Q: What kind of loan products does Aequitas offer? A: We provide a variety of financing options tailored to different business needs, including: SBA Loans: Particularly the SBA 7(a) program, for working capital, equipment purchases, and debt refinancing. Term Loans: Offering competitive rates and flexible terms for business expansion and operational needs. Specialized Financing: For healthcare professionals and other professional or restricted sectors. Merchant Cash Advance (MCA): Provides fast funding based on your business’s future credit card sales, offering a flexible alternative to traditional loans. Business line of credit: Provides the flexibility to borrow funds as needed, repay, and borrow again, making it an ideal solution for businesses looking for ongoing financial support. Equipment Financing: Whether you need new machinery, vehicles, or technology, our equipment financing solutions provide a straightforward way to acquire the assets your business needs without large upfront costs.
Q: How do I learn more about Aequitas Business Solutions and its services? A: We encourage you to explore our website for detailed information on our products, mission, and the team behind our success. Visit our About Us page to learn more about our history and values.
Q: Who can I contact if I have additional questions or need assistance with my application? A: Our dedicated team is here to help. Please feel free to contact us via our website’s contact form, email, or phone. We are committed to providing personalized support to ensure your financing experience is seamless and successful.