FAQ Page 2018-01-16T08:13:25+00:00
Will filling out an application affect my credit score? 2018-01-03T10:18:22+00:00

Any inquiry about your credit score will affect your credit. The exact amount can vary by person, but the average effect is less than five points. (Keep in mind that credit scores are measured in hundreds of points, generally between 300 and 850.)

I think someone who wasn’t me applied to this website using my name and information. How can you help? 2018-01-29T09:06:19+00:00

Here at Moneo Capital, we take issues of identity theft very seriously. Please contact us at support@moneocapital.com or call us at (713) 904-5200 and we’ll help you right away. We also recommend that you contact a credit reporting company like Experian to add a fraud alert message to your credit report.

What is a Personal Guaranty? 2018-01-03T10:23:10+00:00

A personal guaranty is a contractual promise from the owner of the business saying he or she is liable for the debt if the business has trouble paying it back.

What do you mean when you ask for collateral? 2018-01-03T10:18:48+00:00

Essentially, you put up something of yours to the lender until you pay back your loan. Once you do, the collateral is released.

What is a lien? 2018-01-03T10:18:44+00:00

A lien is a legal document that is filed on specified assets of the business as a form of collateral. Once the loan is repaid, the lien is released.

Do you have to pull my credit? 2018-01-03T10:22:52+00:00

We don’t pull your credit during the pre-qualification stage. Once we have your signed application, we will assess your credit in order to figure out which product best fits your needs.

What information do you use to assess my application? 2018-01-29T10:00:26+00:00

We pull your credit information and check your business cash flow and recent bank statements.

Are you guys really as nice as you seem? 2018-01-03T07:57:58+00:00

Aw shucks. We are open and honest with our customers because we know that borrowing can be a confusing and time-consuming experience. Moneo Capital is here to help.

How easy is it to apply for a loan? 2018-01-03T07:57:29+00:00

Applying is quick and easy, and many applicants can be funded within as little as 48 hours after approval.

How is Moneo Capital different from other lending services? 2018-01-03T07:56:50+00:00

Unlike other lending services, we cater exclusively to small and medium-sized businesses, which often find it difficult to get a traditional loan. Many other online lenders are mostly automated, so you never actually get to speak to a real person. Moneo Capital combines Data Science with a human touch, and we work directly with our customers to get the right-sized funding for them.

Who is Moneo Capital? 2018-01-03T07:53:39+00:00

Moneo Capital helps small and medium-sized businesses get access to loans and working capital. We strive to be a trusted and committed partner to our customers, and we make the funding experience affordable, simple, and transparent.