— FAQ

Frequently asked questions.

Answers to common questions about our process, programs, and what to expect when you apply.

Getting Started

How long does approval take?

Timelines vary by funding provider and program. Some working capital programs can move within days, while real estate and SBA-backed financing programs typically take longer. We’ll provide a realistic estimate once we understand your situation.

What credit score is required?

Requirements vary by program and funding provider. Some programs weigh business revenue or property cash flow more heavily than personal credit. We can point you toward options that fit your credit profile.

Are financing options available for startups?

Some programs are available to newer businesses, while others require a minimum time in business. We'll help identify which options may fit your business's stage.

Can I buy through my LLC?

Many real estate financing options, including DSCR financing, are commonly used by investors purchasing through an LLC or other business entity. Eligibility and requirements vary by funding provider and program.

Documentation & Qualifying

Do I need tax returns?

It depends on the program. Some business financing programs require tax returns and financial statements, while certain real estate programs like DSCR financing focus primarily on property cash flow.

Can I qualify based on rental income?

Yes — DSCR financing programs may allow qualifying investors to be evaluated based primarily on a property’s rental income rather than personal income documentation.

What documents are typically needed?

Common documents include business bank statements, financial statements, property information, and identification. The exact list depends on the program — we’ll walk you through what may be needed after you submit your inquiry.

Financing Details

How much financing may be available?

Financing amounts vary by program, funding provider, and your business or property profile. Submit an inquiry and we’ll help identify financing options that may fit your needs.

What types of properties can be considered for financing?

We work with financing programs covering single-family rentals, multifamily, mixed-use, and commercial properties, among others. Available options and eligibility vary by funding provider and program.

What industries do you serve?

We work with real estate investors, small business owners, contractors, medical professionals, trucking companies, restaurants, retailers, manufacturers, professional service firms, and other qualifying businesses.

Still have questions?

Reach out and we'll walk you through your options, no cost and no obligation.

Connecting business owners and real estate investors with financing solutions that support growth, opportunity, and long-term success.

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Rhofx Capital is a financing advisory firm and works with a network of third-party lending partners. Rhofx Capital is not a direct lender.