Question 1

Q: How do you provide value to my business?

Accepted Answer

As entrepreneurs, we understand that you need enough working capital to fund the many aspects of your business. Our value is in providing the capital you need today to maintain and grow your business for tomorrow and beyond.
The approval requirements for our lending programs are significantly lower compared to secured bank loans, so our funding programs are the fastest and easiest way to obtain the money you need. In addition, unlike traditional banks, we offer post-funding support in the form of strategic and financial consulting—free of charge.

Question 2

Do You have a private policy to protect client information?

Accepted Answer

Privacy Policy

Effective Date: 1/10/2019

1 Umbrella funding is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information, including details about our SMS communications. By using our website and services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect personal information, including but not limited to:
• Name, email address, phone number, and business details
• Financial and transactional information necessary for financing applications
• Communication preferences and consent for SMS messaging

2. How We Use Your Information

We use your information to:
• Provide and manage our financing services
• Communicate with you regarding applications, approvals, and account updates
• Send transactional and service-related SMS messages, if you have provided consent
• Improve our services and customer experience

3. SMS Communications

By providing your mobile number and opting into SMS communications, you consent to receive text messages from [Your Company Name]. These messages may include:
• Updates on your financing application or account status
• Important notifications related to our services
• Customer support communications

SMS Message Terms:
• Message frequency varies based on service interactions.
• You may opt-out at any time by replying STOP to any message.
• Reply HELP for more information.
• Message and data rates may apply.

We do not share mobile information with third parties or affiliates for marketing or any other purposes. SMS opt-in data and consent will not be shared with any third party.

4. Sharing of Information

We do not sell, rent, or share your personal information with third parties for marketing or promotional purposes. We may share information only when necessary to:
• Comply with legal requirements or law enforcement requests
• Protect our rights, privacy, safety, or property
• Provide services through trusted third-party vendors who adhere to strict confidentiality agreements

5. Data Security

We take reasonable measures to protect your personal information from unauthorized access, loss, misuse, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure.

6. Your Rights & Choices
• Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message.
• Access & Updates: You may request to access, update, or delete your personal information by contacting us.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our services constitutes acceptance of the revised policy.

Question 3

Q: What is the application process?

Accepted Answer

The application process is straightforward and should take approximately five minutes. You can submit an application through our website (undefined)to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.

Question 4

Q: What are your minimum requirements to be approved for funding?

Accepted Answer

1. Minimum of six months in business.
2. Minimum of $10,000 in monthly revenues.
3. Your business is based in the United States.

Question 5

Q: What can I use the money for?

Accepted Answer

It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation.

Question 6

Q: I have bad credit and even a previous bankruptcy. Can you get me funding?

Accepted Answer

This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least six months and 2) your business generates sales in excess of $8,500 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!

Question 7

Q: How long does the approval process take?

Accepted Answer

Typically, approval is within 48 hours after we receive your full application, but it can take up to 72 hours, depending on how quickly you provide the required information, as well as the amount of funding being requested.

Question 8

Q: How long will it take to receive my money?

Accepted Answer

Usually within 24 hours after a contract is executed and received.

Question 9

Q: How does the Financial process work?

Accepted Answer

At Financial, our process is very simple. We assess your future sales revenues and get you the money you need to maintain and grow your business.
Once we receive the quick application (undefined)or the full pre-qualification application, as well as a couple of supporting documents, funding takes place within 48 hours

Question 10

Q: How much money am I eligible to receive?

Accepted Answer

The amount that you qualify for varies, but is generally between 75%-125% of your business’ monthly sales revenue.

Question 11

Q: Are you providing me with a loan?

Accepted Answer

Technically, this is not a loan. We buy a percentage of your future sales, and advance you that money upfront. In exchange, you agree to pay us back out of those future sales.

Question 12

Q: Do I have to take the full amount that I am approved for?

Accepted Answer

No. You decide how much of the approved amount that you wish to receive.

Question 13

Q: What types of businesses/industries do you work with?

Accepted Answer

We work with over 500 different industry groups in a variety of sectors, such as food service, health care, automotive, textiles, manufacturing, construction, technology, and retail. Click here for a more complete this form.(undefined)

Question 14

Q: What information and supporting documents do I need to supply?

Accepted Answer

We require copies of the following: bank statements, driver’s license, lease agreement, and a voided check from your business bank account.

Question 15

Q: How can I ensure that my application is processed as fast as possible?

Accepted Answer

We do everything within our power to make the funding process simple, fast, and hassle-free, but we need your cooperation, too! The best way to avoid delays and receive your funding as quickly as possible is to provide all requested documentation to us in a timely manner.

FAQ