Frequently Asked Questions

The minimum criteria for most lenders in our network:

• 6+ months in business (established business bank account)
• $10,000+ in monthly revenue (verified via bank data)
• US-based, for-profit business

Personal credit scores below 500 are harder (but not impossible) to fund. Specific lenders have additional requirements we match for — you'll only see offers from lenders whose criteria you meet.

Business lines of credit in our marketplace range from $5,000 to $500,000. Your actual limit depends on:

• Monthly revenue (biggest factor — lenders typically offer 50-150% of your average monthly deposits)
• Time in business (longer = higher limits and better rates)
• Personal credit profile
• Industry (some are higher-risk than others)
• Existing debt / merchant cash advance positions

Our form: 3-5 minutes.

Matching: You see matched lender options immediately after submission.

Funding: Depends on the lender you choose. Some can fund lines of credit within 24 hours; others take 3-7 business days. Term loans and SBA products take longer (1-6 weeks).

No. You're never obligated to accept any offer. You can review terms, decline all of them, come back later, or walk away entirely. We don't share your info beyond the lenders we matched you to, and no lender can approve credit on your behalf without your explicit consent.

Through the GetLendaria network of sites, we match businesses with:

• Business lines of credit (this site)
• Term loans (findmytermloan.com, mytermloan.com)
• SBA loans (findmysbaloan.com, getmysbaloan.com)
• Merchant cash advances (via referral)

If this site isn't the right product for your need, we may redirect you — or you can start at the specific site for the product you want.

No. We only run a soft credit inquiry when matching you with lenders. A soft inquiry:

• Does NOT affect your credit score
• Does NOT appear to other lenders when they pull your report
• Only shows up in your own personal credit report (visible to you, not scored against you)

A hard inquiry only happens later if you choose to formally apply with a specific lender — and only after you give them explicit permission.

Soft pull: A background check lenders use to see if you pre-qualify. It does NOT impact your score. Typically used for "pre-approved offers" you get in the mail, rate shopping, and background checks.

Hard pull: A formal credit application. It temporarily drops your score by 5-10 points and stays on your report for 2 years (though its impact fades quickly). Only triggered when you formally apply for a specific loan or credit line.

We use soft pulls only. Hard pulls are the lender's decision — and only happen with your explicit consent, after you've reviewed their offer.

Our soft pull is powered by Array (array.com), a compliant credit-data platform that works with all three major bureaus (Experian, Equifax, TransUnion). Depending on your profile and lender requirements, we may pull from one or multiple bureaus.

Yes. We're launching a consumer portal in Q4 2026 where you'll be able to log in and see:

• The exact credit data we pulled
• When we pulled it
• Which lenders received your data (and when)
• Downloadable PDF copy of your report

In the meantime, you can email [email protected] to request a copy. It's your right under FCRA.

Not initially. When we match you with lenders, we send them your profile (industry, time in business, revenue bucket, credit score band) so they can determine interest. The lender only sees your full credit report after they formally request to fund you AND you authorize that pull.

Your bank data verifies your revenue — the single biggest factor lenders care about. This replaces the old process of uploading 3 months of bank statement PDFs. Plaid access gives us:

• Average monthly revenue (so we can size your line correctly)
• Deposit consistency (lenders want steady revenue, not one lucky month)
• Existing merchant cash advance detection (so we can be honest about your stackability)

Without bank data, matching is less accurate and takes longer.

Yes. Plaid is a Visa-owned financial data company used by 10,000+ US financial apps including Venmo, Robinhood, Chime, SoFi, and most major banks. Your bank credentials are encrypted and never stored by us or shared with lenders.

You can revoke Plaid's access to our platform anytime at my.plaid.com.

Specifically:

• Account balances (current and 120-day average)
• 120 days of transaction history (dates, amounts, merchant names)
• Account type and institution name

We do NOT see your bank login credentials, security questions, or password. Plaid handles authentication; we receive only the data your bank authorizes Plaid to share.

You can request to upload bank statements as PDFs instead. Trade-offs:

• Slower: 24-48 hour manual review vs. instant matching
• Some lenders in our network require Plaid for same-day matching
• Your matched pool of lenders may be smaller

Email [email protected] and we'll walk you through the manual process.

In order:

• You immediately see matched lender options and estimated terms
• We email you a copy of your matches with each lender's terms and next-step instructions
• If you selected Priority Routing ($9.99), the top matched lenders get your file pushed to the front of their queue
• Lenders contact you directly about their offers — not through us

No. You'll only be contacted by the specific lenders you consented to be matched with. We do NOT:

• Sell your contact info to third parties
• Add you to unrelated marketing lists
• Share your data with any company outside the lenders you matched with

Our TCPA consent language is scoped to this matching service only. You can revoke consent anytime by replying STOP to any text or emailing [email protected].

Yes. Under CCPA (California), CDPA (Virginia), CPA (Colorado), UCPA (Utah), CTDPA (Connecticut), and similar state laws, you have the right to request deletion of your data from our systems.

Email [email protected]. We'll complete the deletion within 30 days as required by law. We retain records required for FCRA compliance (typically 25 months) as legally mandated, but your identifying info gets anonymized.

Yes — email [email protected] within 24 hours of your application and we'll adjust the lender list before most of them have acted on it. After 24 hours, we can revoke future contact but can't recall data already sent.

FindMyLineOfCredit.com is operated by Sanctuary Capital Solutions LLC, a Delaware-registered company. We are a lender-matching marketplace — not a lender ourselves, not a broker, not an underwriter. Think of us as the Kayak.com of business financing: we don't sell the plane tickets, we show you who does.

We are paid by the lenders in our network — specifically, two ways:

• Per-lead fee: When a lender in our pool accepts a match we send them, they pay us a set fee (typically $25-$450 depending on the quality tier)
• Per-funded-deal fee: When a lender funds a business we matched them to, they may pay an additional success fee

You pay us nothing directly. This does NOT change your rate or terms — lender compensation to us is separate from your loan pricing. Offering optional Priority Routing ($9.99) is the one case where you can pay us directly, and it only accelerates (not alters) your match.

No. We're a licensed lead-generation marketplace in the US business lending space. We comply with:

• FCRA (Fair Credit Reporting Act — governs credit data)
• TCPA (Telephone Consumer Protection Act — governs contact)
• CCPA + similar state privacy laws (data rights)
• UDAAP standards (CFPB fair-practices rules)

Our full legal docs are at findmylineofcredit.com/legal.html. If something on our site feels off to you, email [email protected] — we'd rather hear it directly than have you walk away.

You shouldn't trust blindly — you should compare. Our value is that you fill out one form and see offers from multiple lenders instead of applying to each individually. A direct bank application:

• Takes 30-60 minutes per lender
• Triggers a hard pull per application (score impact)
• Lets you compare one offer at a time

If a bank gives you a better deal than our matched lenders, take it. We'd rather you have the best option.

FCRA is the federal Fair Credit Reporting Act — it governs how credit info can be collected, shared, and used.

When you consent to our soft credit pull, you're exercising your right under 15 U.S.C. §1681b(a)(3)(F)(ii) to allow us to pull your credit based on your own written instructions. This is called a "permissible purpose" — meaning we have a legitimate reason to see your credit, limited to the matching service you requested.

Under FCRA you have the right to:

• See a copy of the credit report we pulled
• Dispute inaccuracies directly with the bureau
• Request deletion of your data from our records
• Know which lenders received your data

TCPA is the Telephone Consumer Protection Act — it governs when businesses can call or text you. When you submit our form, you give us (and the lenders we match you to) specific consent to contact you about your financing inquiry.

This consent is narrow — limited to this inquiry, this session, and the specific lenders you matched with. You can revoke consent anytime by:

• Replying STOP to any text
• Saying "remove me from your list" on any call
• Emailing [email protected]

Depending on where your business is based, you may have additional rights under:

• California (CCPA + CPRA): Know, delete, correct, opt-out of sale/sharing
• Virginia (CDPA): Know, delete, correct, opt-out, portability
• Colorado (CPA): Similar to CDPA
• Utah (UCPA), Connecticut (CTDPA), Texas (TDPSA): Various rights
• Illinois (BIPA): Biometric data protections (we don't collect biometrics)

See our Privacy Policy for the state-by-state breakdown and how to exercise each right.

Under FCRA you have the right to dispute inaccuracies directly with the credit bureau that reported them. We can share a copy of what we pulled so you know exactly what the bureau said.

Dispute links:

• Experian: experian.com/disputes
• Equifax: equifax.com/personal/credit-report-services/credit-dispute
• TransUnion: transunion.com/credit-disputes

Inaccurate reporting can lower your score and your loan options — worth cleaning up before applying.