Frequently Asked Questions


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Frequently Asked Question


1. What types of funding does BearCrest Funding offer?
We offer a wide range of funding solutions, including revenue-based financing, SBA loans, business lines of credit, DSCR loans, fix-and-flip loans, bridge loans, and equipment financing.

2. How fast can I get approved and funded?
Most of our clients receive approvals within hours and funding within 24–48 hours, depending on the product and required documentation.

3. Do you require collateral for funding?
Not always. We offer unsecured business loans and revenue-based funding options that do not require traditional collateral.

4. What credit score is needed to qualify?
We work with a variety of credit profiles. For revenue-based loans, we consider your business cash flow more than your credit score. DSCR and SBA loans may require stronger credit.

5. Can BearCrest help startups or newer businesses?
Yes! While some products require a minimum time in business, we have options that serve newer businesses, especially those generating consistent revenue.

6. What is a DSCR loan and how does it work?
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. Approval is based on the property's income potential, not your personal income or credit.

7. Do you offer funding for investment properties or fix-and-flip projects?
Absolutely. We provide fix-and-flip, bridge, and DSCR loans tailored for real estate investors looking to expand or refinance their portfolios.

8. How do I apply for funding with BearCrest?
Simply fill out our online application or contact us directly. One of our funding specialists will guide you through the process from start to finish.

9. Is BearCrest Funding a direct lender?
We are a trusted funding facilitator with access to a network of top-tier lenders. This allows us to match you with the best financing option for your needs.

10. How can I contact BearCrest Funding?
You can reach us by phone at 469-232-7273, by email, or through our website contact form. We’re here to help you grow your business and investment portfolio.