• You can apply entirely online. Click here to fill out the application.
• You can also speak with one of our experts who will help you through the process.

• Three months’ bank statements
• Simple application with personal information

We normally provide an offer within 24-48 hours of receiving your signed application and the last 3 months of business bank statements

Our funding usually occurs within 24-48 hours after a client decides on the financing option right for them

Our application process takes under 10 minutes

Yes, many of our lenders are willing to work with clients who have imperfect credit histories.

JCS provides anywhere between $5,000 and $2,000,000 for your business, depending on your company’s specific needs and your qualifications.

Currently, we only accept applications from clients whose businesses are in the United States.

• Credit score must be 500+
• Operational for at least 3 months
• Reside in the U.S.

Yes, our lenders are willing to work with clients in all kinds of financial situations.

• No, many lenders in our network work with clients who have previously filed for bankruptcy.
• However, we do not work with companies who have ongoing bankruptcy cases.

We work with businesses in all U.S. states.

If the money is used to grow or improve your business, there are no limitations on how you use the funding.

The term of the offer will depend on the lender, but generally you repay within 4-12 months. In some cases, the term may be as long as two years.

We offer numerous financing products, including business lines of credit, term loans, and quick access capital.

None of our financing products require collateral unless the client specifically requests for a product that does.

No! The financing we offer is strictly under business, not personal. This means any financing you take with us will solely be used to build your business credit, not impact your personal credit score. Credit may be pulled up front upon application, however a soft credit pull can be requested if credit pulls are a concern.

No, JCS does not charge you any fees to apply for funding.

No, in fact we work with your lenders to offer a discount if you pay it back early.

• Our offers vary depending on the applicant, so it is unclear what rate you will receive until your application has been processed. We work to find you the best offers with the lowest rates and longest terms, and those decisions will depend on your business cash flow, credit history, operating time, and industry.
• Fill out our no-risk, no-commitment application to find out what kind of rate we can offer you.

Payment is done through regular transfers from your business checking account

Our lenders offer various repayment schedules, including daily, weekly, bi-weekly, or monthly.

No, our lenders do not require you to change processors and we work with businesses that do not accept credit cards as well.