Questions & answers
Frequently asked questions
The short, honest version of what owners ask most. If yours isn’t here, a quick call will sort it out.
Will checking my options affect my credit score?
No. Reviewing potential options is a soft inquiry and does not affect your credit score. A hard credit inquiry may be used later by a funding provider only if you choose to proceed with a specific offer.
Is Nano a lender or a bank?
No. Nano Business Funding is a funding resource. We help owners review and connect with third-party funding providers. We don’t make credit decisions, issue funds, or guarantee approval.
Does booking a call commit me to anything?
No. Booking a call is a conversation, not an application for credit and not a commitment to borrow. You decide whether to take any next step afterward.
How fast can funding happen?
It depends on the product, the funding provider, and your business profile. Some structures can move quickly once you’ve accepted an offer, but timing is never guaranteed.
What will I need to provide?
Early on, just general business details. If you choose to move toward an offer, a funding provider commonly requests recent business bank statements and a government-issued ID, and may request more during review.
What are the typical qualifications?
Funding providers often look for several months in business, steady revenue (commonly around $150k+ annually), a business checking account, and a personal FICO® around 500+. These are starting points, not guarantees, and vary by provider.
Will I see the rates and fees before committing?
Yes. Costs, fees, and repayment terms are set and disclosed by the funding provider, and you review them in full before signing anything.
Are there industries you can’t help?
Some industries may be restricted by individual funding providers, and availability varies by state. A short call is the quickest way to confirm fit.
See your options — start with a call
A short underwriting conversation, no hard credit pull, no obligation.