Frequently Asked Questions

Applying and Eligibility

To qualify, you need to be in business more than one year and have at least $100,000 in annual revenue. Additionally, you need to have a personal credit score of at least 600. 

Apply now or use our automated Online Loan Assistant to see how much you qualify for.

Applying is fast and easy. It takes less than five minutes. We just need some basic information about you and your business.

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You can apply completely online with some basic information about you and your business. This includes your time in business, average monthly revenue, contact information, and how much funding your business needs. Learn more.

In addition, you will need to provide your social security number and banking information. This information is kept completely confidential and allows us to verify your identity and analyze your financial information to provide you with the best possible loan offer.

See Privacy and Security information below for more information on how bank verification works and steps we take to protect your information and data.

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No. When you submit your application, we review your commercial credit report, including a soft credit inquiry with Experian Credit Bureau. This does not affect your credit score.

With Hyphen, the entire funding process can be completed online in less than 10 minutes. With our advanced scoring engine, you receive a decision instantly and can have funding in your account as soon as the next business day.

Our Online Loan Assistant is a fast, simple online tool that provides you with an instant pre-approved offer without asking for any of your personal information, no credit check, and no phone calls.

Just answer nine simple questions about your business to see how much funding you qualify for. If you like the offer, you can complete the entire application in less than five minutes and have funding as soon as the next business day.

See how much you qualify for >

Note: Pre-approval is not a firm offer of credit and is subject to additional terms, conditions, and underwriting.

Approval and Funding

Hyphen provides small business loans from $5,000 to $500,000 with terms between 6-12 months. If you’ve been in business at least one year and have more than $100,000 in annual revenue, you are eligible.

Hyphen Funding provides small business loans from $5,000 to $500,000. We use a number of different data points (i.e. time in business, revenue, and credit score) to instantly provide you with the best possible business funding offer.

Apply now or use our automated Online Loan Assistant to receive an instant pre-approval offer with no credit check, no personal information required, no obligation.

We use a number of different data points — i.e. creditworthiness, time in business, and revenue — to instantly underwrite your application and then provide you with the best available business funding option. Above all, our goal is to make sure you get a loan with rates and payment terms that work for you and your business.

To receive a preliminary loan offer with details about available payment rates and terms, use our fast, easy automated Online Loan Assistant. After that, you can quickly complete your full loan application and receive an official offer in just minutes.

If your loan is approved and accepted by you — and all requested documentation received by 3:30 p.m. Central Time (Monday through Friday, excluding bank holidays) — your funds can be transferred to your bank account as fast as the next business day.

Hyphen loans help you more efficiently manage your business and quickly seize opportunity when it arises. You can use your loan for a variety of business needs, including expanding the business, managing cashflow, supplementing payroll, hiring new staff, purchasing inventory, investing in equipment, and promoting your business.

Hyphen offers unsecured, no-collateral business loans, based on creditworthiness and business performance.

Loans are issued through Lead Bank, a Missouri-chartered bank, Member FDIC. This gives you the confidence in knowing your business is supported by an established banking institution with more than 90 years history helping businesses like yours expand, take advantage of new opportunity, and reach their goals.

Learn more about Lead Bank.

Payments

Payments are withdrawn from your business bank account automatically, according to your specific repayment terms.

You can pay your balance in full or make additional payments at any time, with no early pre-payment fees. If you are concerned about not being able to make a payment on time, please contact us to discuss your options.

No, there are no penalties or fees for paying off your loan early. In fact, we encourage clients to make additional payments whenever possible, which reduces the total cost of a loan. If you no longer need the money, you can pay the balance in full without additional fees.

Ultimately, our goal is to make sure you have a loan that works for your business, and to be your trusted funding partner whenever you need access to capital.

To discuss options for refinancing or restructuring your loan, contact a loan advisor at info@hyphenfunding.com or call 800.688.2418, M-F, 8am-5pm.

Privacy and Security

At Hyphen Funding, we understand you are entrusting us with your financial information. We take that seriously and work hard to protect your privacy.

The data you provide to us is stored in accordance with our Privacy Policy, and we use the highest level of encryption to ensure your information and data is safe and secure.

For more information, view our privacy policy.

Our advanced bank verification is 100% secure. Hyphen works directly with your bank to instantly verify your information through an encrypted online connection using your online banking username and password.

We never see your password, and all data is treated as confidential. This means you don’t have to track down bank statements or call your bank for more information, and we can provide you with a decision almost immediately.

We take your privacy very seriously and never sell your data to third parties. We only use your information to help offer you the best possible funding solution.

About Us

Your loan is issued through Lead Bank, a Missouri-chartered bank, Member FDIC. With Lead Bank, you gain the confidence in knowing your business is backed by an established banking institution with more than 90 years history helping businesses like yours expand, take advantage of new opportunity, and reach their goals. Learn more about Lead Bank.

Hyphen funding is a financial technology company that helps established small businesses get the funding they need to move forward — from $5,000 to $500,000.

Loans are issued through Lead Bank, a Missouri-chartered bank, Member FDIC. With Lead Bank, you gain the confidence in knowing your business is backed by an established banking institution with more than 90 years history helping businesses like yours expand, take advantage of new opportunity, and reach their goals.

Read this recent article to learn more about how Hyphen Funding and Lead Bank are working together to bring smarter funding to small businesses across the U.S.

You can speak with one of our friendly loan advisors by emailing info@hyphenfunding.com or calling 800.688.2418, M-F, 8am-5pm CST.

STILL NEED ANSWERS?
We’re here to help. 

Email: info@hyphenfunding.com

Call: 800.688.2418
M-F, 8:30am-5pm, CST

Approval in Minutes.
Funding the Next Day.