Frequently Asked Questions
"We focus on people, not numbers on a piece of paper."
An open line of credit means you will have an approved loan amount that you can draw funds from or make payments to at any time.
No, we don't have a credit score requirement. We look at your overall application and do our best to get you approved.
With a KeyX line of credit, YOU will control your use of funds and interest cost. You only pay for the exact number of days. Use $1000 for 3 days, and you only pay for 3 days of interest.
Yes, we report to the credit bureau on your consumer credit line. As you establish positive payment history, your credit score can improve over time.
Not at all; just ask for an advance from your credit line, and we'll drop it in your bank account or cut you a check, whichever you prefer. We may request an updated pay stub or bank statement, but you never have to re-apply.
Yes, we'd be happy to see you anytime. Our location and hours are here.
No! Our credit lines are not a merchant cash advance. We won't take any of your sales receivables like a merchant cash advance. You'll have a set credit limit, and as you pay down, you'll have available credit to borrow against at any time for your business needs. We're also significantly less than a Merchant Cash Advance!