Question 1

What types of businesses qualify?

Accepted Answer

We work with established operating businesses, including larger or more complex small businesses, professional services firms, healthcare practices, regional companies, and other serious operators. Fit typically depends on factors such as business revenue and time in business, and every inquiry is reviewed individually.

Question 2

How fast can funding happen?

Accepted Answer

Timing varies and depends on the funding option, the completeness of the information provided, and the review process. We aim to be responsive and communicate clearly at each step, but we do not promise instant or same-day funding. All funding is subject to approval.

Question 3

Does applying affect credit?

Accepted Answer

Submitting a funding inquiry through this website is an initial step and a conversation — not a formal application for a specific product. Whether any credit review occurs, and what type, depends on the funding option being considered. We will explain what to expect before any step that may involve a credit review.

Question 4

What documents are typically needed?

Accepted Answer

Requirements vary by funding option, but documents may include bank statements, basic business details, a revenue estimate, and owner contact information. Additional items may be requested depending on the review.

Question 5

What funding options are available?

Accepted Answer

Thorngate Capital helps business owners review three core options: a term loan, working capital, and a line of credit. The right fit depends on your business needs, operating history, and the outcome of a careful review.

Question 6

How does repayment generally work?

Accepted Answer

Repayment depends on the funding option and the approval terms. A term loan, for example, generally follows a structured repayment schedule, while other options may work differently. Specific terms are always reviewed before anything is accepted.

Question 7

Is funding guaranteed?

Accepted Answer

No. Funding is never guaranteed. Every inquiry is reviewed on its own merits, and all funding is subject to approval. This is not a commitment to lend.

Question 8

Is Thorngate Capital a bank, direct lender, private-equity firm, investment bank, or investment advisor?

Accepted Answer

Thorngate Capital helps business owners review business funding options. Specific funding terms and provider details should be reviewed before accepting any offer. We do not present ourselves as a private-equity firm, investment bank, investment advisor, or a wealth-management or fund-management business.

Answers, in plain English

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