Truepine Business Funding, a small-business funding broker in Carson City, Nevada, works in four steps: you describe the cost, we match it to a structure and to partners, a lending partner underwrites and decides, and you compare any offer before signing. Partners make all credit decisions and set rates and terms; nothing is sent without your agreement.
Who handles which part of a request
| Task | Truepine Business Funding | Lending partner |
|---|---|---|
| Explains the structures | Yes | For its own products |
| Prepares and routes the request | Yes | No |
| Reviews credit and documents | No | Yes |
| Approves or declines | No | Yes |
| Sets rates and terms | No | Yes |
| Signs the agreement with you | No | Yes |
A bank or other direct lender only offers its own products. A broker can compare structures across several partners, but the broker is never the party that lends.
Step 1: Tell us the cost
Call (775) 218-3448 or send the short form with your name, contact details and business name. We ask about the purpose when we call: what has to be paid for, roughly how much, by when, and which receipts will repay it. For a first request, a simple cash flow projection makes this conversation much shorter.
Step 2: We match the cost to a structure and partners
We explain which structures fit, such as working capital, a term loan, a line of credit, inventory financing, equipment financing or a merchant cash advance, and which documents partners usually want. Nothing is sent to any partner until you agree.
Step 3: Underwriting and the partner's decision
The partner reviews the request and documents, may ask its own questions, and approves, declines or proposes different terms. Approval is never automatic, and the decision belongs to the partner alone.
Step 4: Read every page of the offer
Read the whole agreement. Check the total repayable, every fee, the payment frequency, the collateral and lien language, any personal guarantee and the early payoff terms. You are free to decline any offer.
Comparing APR, factor pricing and total cost
Loans are often quoted with an annual percentage rate; merchant cash advances are priced with a factor; some products charge flat fees. These cannot be compared directly. Convert each offer into the same three figures: the total dollars you will pay back, how often payments are taken, and how long until it is finished. The offer with the lower total and a schedule your receipts can carry is usually the better one.
First-time borrowers
A first business loan request is reviewed mostly on what the partner can verify: registration, bank statements, tax returns and the owners' credit. Businesses with little history should expect fewer options. Free advising through the Nevada SBDC and other local programs is a sensible first stop.
Red flags that mean walk away
- A promise of approval before anyone has seen your documents
- A push to sign before you have read everything
- Fees demanded before any offer is made
- A contract you are not allowed to take away and read
- Blank spaces in the agreement
Walk away from any of these, whoever presents them. The owner questions page covers more, and the disclosures describe our role.
By Truepine Business Funding · Updated