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Lending Valley - Trusted Merchant Cash Advance Company
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    Lending Valley - Trusted Merchant Cash Advance Company > Frequently Asked Questions

Frequently Asked Questions

How To Apply
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General Questions

How much can I borrow?

As much as you want as long as you meet the requirements.

Can I pay off my loan early?

Yes, of course you can.

Do you offering refinancing ?

Yes, we definitely do.

When should i apply?

If you are at least 6 months in business and making over $10k/month.

What are your rates?

Rates vary depending on the product.

What funding options does Lending Valley offer?

We’ve got you covered with a range of solutions, from Merchant Cash Advances (MCA) and small business loans to flexible lines of credit. Whatever stage your business is at, we’ll help you find the option that fits best.

How is a Merchant Cash Advance different from a traditional loan?

Great question! Instead of fixed monthly payments like a bank loan, an MCA lets you pay back a percentage of your future sales. So when business is good, you pay a bit more, and when things slow down, you pay less. It’s all about keeping your cash flow comfortable.

How quickly can I get funded?

Pretty fast! Many of our clients get approved within 24 hours, and funds can hit your account in as little as 1–3 business days.

Can startups apply for funding?

Yes, absolutely. Even if you’re just starting out, we’ll work with you to see what options make sense for your situation.

What is a business line of credit?

Think of it as a safety net for your business. A line of credit gives you access to funds whenever you need them. Use a little, pay it back, then use it again — and you only pay interest on what you actually use.

How is a LOC different from a term loan?

A term loan is a one-time lump sum you pay back in installments. A line of credit is more flexible — like a business credit card with better rates and higher limits.

Can I get funding with bad credit?

Yes, you can! We know credit scores don’t tell the whole story. We focus on your business’s revenue and potential, not just your past credit. Many business owners with less-than-perfect credit have gotten funded with us.

What documents do I need to apply?

It’s pretty simple — usually just a few recent bank statements, your ID, and some basic business info. For bigger funding amounts, we might ask for financials or tax returns.

Can I apply again after repaying my first funding?

Yes, and we encourage it! Once you’ve built a history with us, you’ll often qualify for bigger amounts and even better terms next time around.

What if I already have another loan?

That’s not a deal-breaker. In fact, many clients come to us to refinance or consolidate for better terms — or to get access to extra working capital.

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Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!

244 Kings Highway, 3rd Floor,
Brooklyn, New York , United States 11223

Call us at
+1-347-322-2761

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