Frequently Asked Questions
Straight answers about speed, credit, repayment, and how funding works at Evian Capital.
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Products
What types of funding do you offer?
Three things, done well: merchant cash advances, lines of credit, and consolidation or refinance of existing advances; with options tailored to your business, industry, and cash flow needs.
Application
What do I need to apply?
5-minutes to complete our online application and your 4 most recent business bank statements. No lengthy paperwork required.
Is my business eligible?
If your business operates in the U.S. or Canada, and generates consistent monthly revenue, you’re likely a fit. We look at revenue and cash flow; not just credit; so imperfect credit isn’t a dealbreaker.
Funding
How fast can I get funded?
Most applicants receive a decision in as little as 2 hours, and qualified businesses are often funded the same day they’re approved. Our average funding time is 24 hours.
How much can I qualify for?
Funding ranges from $10,000 to $2,000,000, based on your business revenue and underwriting review.
Does applying affect my credit score?
No. Checking your funding options requires no hard credit pull, so there is no impact to your credit score to get started.
What industries do you work with?
All of them; construction, transportation, healthcare, hospitality, e-commerce, staffing, real estate, and more. See our Industries page for how we support each sector.
Repayment
How do repayments work?
it depends on your funding structure and cash flow needs. Depending on what works best for your business, payments may be made daily, weekly, biweekly, or monthly.
Can I pay off my funding early?
Yes. All funding options can be paid off early, with early payoff built in and no prepayment penalties.
I already have an advance or loan. Can you still help?
Absolutely. Every funding solution is tailored to your business, including what you already have and what you need next.
Account
Are there hidden fees?
No. We lead with transparent terms; clear structures with no hidden fees or surprises, explained up front by your dedicated advisor.
How secure is my information?
We protect your data with bank-grade 256-bit encryption and SSL technology. We use a secure upload portal to keep your sensitive business information protected throughout the funding process.