01
Initial screening guideposts
Perception Capital’s current inquiry flow is designed for an established U.S. business that reports at least 18 months in operation, at least $75,000 in average monthly revenue, an active U.S. business operating account, and complete disclosure of all existing financing positions. These guideposts determine only whether an inquiry appears ready for further review.
- Meeting every guidepost does not create eligibility, approval, pricing, or an offer.
- An accurate inquiry may be reviewed even when a guidepost is not met, but no referral or outcome is promised.
02
Provider underwriting
Perception Capital does not make final underwriting decisions. An independent provider may evaluate cash flow, deposits and balances, revenue consistency, time in business, ownership, business and owner credit information where authorized, industry, state, intended use, existing obligations, fraud and identity controls, collateral or guaranty support, and other lawful criteria. Provider standards and documentation requirements vary.
03
Term financing
Term financing may provide one approved amount for an eligible business purpose with a stated repayment schedule. No minimum or maximum amount, rate, factor, fee, payment frequency, term length, collateral requirement, guaranty, prepayment treatment, or funding time is promised on this website. Those terms must come from a specific provider’s written offer and agreement.
04
Business line of credit
A business line of credit may allow eligible draws up to an approved limit, subject to the provider’s draw rules and continuing eligibility requirements. The provider determines the limit, cost, fees, payment structure, draw conditions, renewal or reuse rules, security, and any right to suspend or reduce availability.
05
Required offer review
Before accepting an option, review the identity of the provider and servicer, amount delivered, annualized rate or other required cost measure, total financing cost, total repayment, payment amount and frequency, term or estimated term, fees, prepayment treatment, collateral and security interests, personal guaranty, default provisions, reconciliation rights if applicable, and state-specific disclosures. Only the final written documents control.
06
Public inquiry limits
The website inquiry does not request or authorize a credit pull and does not collect sensitive underwriting documents. If a possible provider path is identified, any required credit authorization, ownership verification, document request, provider notice, and information-sharing consent must occur separately through an appropriate process.
Questions