Question 1

What is Winvest Capital LLC?

Accepted Answer

Winvest Capital LLC is a commercial lending brokerage that connects business owners and real estate investors with the best funding options available. We work with a network of lenders across the country to match you with the right loan product � whether you need $20K in working capital or $50M for a commercial real estate deal. Founded by David Day, we connect business owners and real estate investors with the right lenders across all 50 states, powered by AI-driven underwriting.

Question 2

How does Winvest Capital LLC make money?

Accepted Answer

Winvest Capital LLC earns a commission from the lender when your loan is funded. There are no upfront fees to you, the borrower. Our incentive is fully aligned with yours � we only get paid when you get funded.

Question 3

What states do you operate in?

Accepted Answer

Winvest Capital LLC is licensed to operate in all 50 states. Whether you're in New York, California, Texas, Florida, or anywhere in between, we can help you get funded.

Question 4

How fast can I get funded?

Accepted Answer

Funding timelines vary by product. MCAs and lines of credit can fund in as little as 24 hours. Loan Terms typically fund in 24-72 hours. Real estate loans range from 5 days (fix & flip) to 4 weeks (commercial/construction). We always work to get you funded as fast as possible.

Question 5

Is there a minimum credit score requirement?

Accepted Answer

It depends on the product. Some products like MCAs and lines of credit have no minimum credit score � they qualify based on revenue. Other products like Loan Terms and mortgages may require a minimum score of 620�680. If you're unsure, try our free Loan Finder quiz to see which products you qualify for.

Question 6

Does applying affect my credit score?

Accepted Answer

No. Our initial application is a soft inquiry that does NOT impact your credit score. A hard pull is only done after you've reviewed and accepted a specific offer from a lender.

Question 7

What types of business loans do you offer?

Accepted Answer

We offer 8 business funding products: Loan Terms ($25K�$5M), Lines of Credit ($10K�$1M), Merchant Cash Advances ($5K�$2M), MCA Bailout/Consolidation ($20K�$7M), 0% Interest Business Credit Cards ($50K�$250K), Equipment Lending ($10K�$5M), Purchase Order Factoring ($50K�$10M), and Mergers & Acquisitions financing ($500K�$50M).

Question 8

What documents do I need to apply for a business loan?

Accepted Answer

Most business loans require: 3�6 months of business bank statements, a government-issued ID (driver's license), and a voided business check. Some products may also require business tax returns, a P&L statement, or proof of business (EIN letter or articles of incorporation). Our application will tell you exactly what's needed for your specific product.

Question 9

What is an MCA (Merchant Cash Advance)?

Accepted Answer

An MCA is a form of business funding where you receive a lump sum upfront in exchange for a percentage of your future daily sales. It's not technically a loan � it's a purchase of future receivables. MCAs are popular because they have minimal requirements (no credit score minimum, based on revenue), fast approval (same day), and flexible repayment that adjusts with your sales volume.

Question 10

What is an MCA Bailout?

Accepted Answer

An MCA Bailout is a product designed to help businesses that are stuck with multiple high-cost MCAs. We consolidate your existing MCAs into a single, lower-cost payment � reducing your daily/weekly outflow and improving cash flow. If you're currently paying $2,000+ per day across multiple MCAs, a bailout could save your business.

Question 11

How do 0% Interest Business Credit Cards work?

Accepted Answer

We help you get approved for $50K�$250K in business credit cards with 0% introductory APR periods lasting 12�21 months. There are no revenue requirements, no collateral, and only a soft credit pull. The minimum personal credit score is typically 680+. This is one of the cheapest forms of business capital available.

Question 12

Can I get a business loan with bad credit?

Accepted Answer

Yes! Products like MCAs, MCA Bailouts, and Lines of Credit are primarily based on your business revenue, not your personal credit score. If your business generates consistent monthly revenue ($10K+/month), you likely qualify for funding regardless of your credit score.

Question 13

How much can I borrow?

Accepted Answer

Borrowing amounts range from $5,000 to $50 million depending on the product. Working capital products (MCA, lines of credit) typically range from $5K�$2M. Equipment loans go up to $5M. Commercial real estate and M&A deals can go up to $50M. The amount you qualify for depends on your revenue, time in business, and the specific product.

Question 14

What types of real estate loans do you offer?

Accepted Answer

We offer 6 real estate financing products: Commercial Real Estate ($500K�$50M), Residential Mortgages ($100K�$10M), DSCR Loans ($100K�$5M), Fix & Flip ($75K�$5M), Ground-Up Construction ($500K�$50M), and Full Mortgage Application � Form 1003 ($100K�$10M). We finance in all 50 states.

Question 15

What is a DSCR loan?

Accepted Answer

A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on the property's rental income rather than personal income. If the property's rent covers the mortgage payment (typically 1.0x or higher DSCR), you can qualify without providing pay stubs, W-2s, or tax returns. It's perfect for investors with multiple properties or self-employed borrowers.

Question 16

How does fix and flip financing work?

Accepted Answer

Fix and flip loans provide short-term financing (6�18 months) to purchase and renovate residential properties. We can finance up to 90% of the purchase price plus rehab costs. Funds for renovation are released on a draw schedule as work is completed. Interest-only payments keep your costs low during the project. When you sell or refinance, you pay off the loan.

Question 17

Do you offer construction loans?

Accepted Answer

Yes. Our Ground-Up Construction program finances new construction projects from $500K to $50M. We fund land acquisition, construction costs, and include an interest reserve. Loans are available for residential, multifamily, commercial, and mixed-use projects. You'll need architectural plans, a construction budget, and a licensed general contractor.

Question 18

Can I get a mortgage as a self-employed borrower?

Accepted Answer

Absolutely. We have multiple options for self-employed borrowers: DSCR loans (qualify on property cash flow, no personal income docs), bank statement programs (use 12�24 months of bank statements instead of tax returns), and traditional mortgages with full documentation. We work with borrowers of all employment types.

Question 19

What is the minimum down payment for an investment property?

Accepted Answer

Down payment requirements vary by program: DSCR loans typically require 20�25% down. Conventional investment property mortgages require 15�25% down. Fix and flip loans may require as little as 10% down. Commercial real estate typically requires 20�35% down depending on the property type and borrower experience.

Question 20

How do I apply?

Accepted Answer

You can apply online at winvestcapitalllc.com/apply. Select the loan product that fits your needs, fill out the application form (takes about 5 minutes), and upload any required documents. A member of our team will review your application and reach out within hours � often within the same business day.

Question 21

How long does the application take?

Accepted Answer

The online application takes about 5 minutes to complete. Most products only require basic business information, owner details, and the amount you're seeking. Document upload can be done at the time of application or later when our team requests them.

Question 22

What happens after I apply?

Accepted Answer

After you submit your application: (1) A Winvest Capital LLC funding specialist reviews your application and contacts you, usually within hours. (2) We match you with the best lender(s) for your situation. (3) You review the offer terms. (4) Once you accept, documents are finalized and funds are deposited into your account. The entire process can take as little as 24 hours for business funding.

Question 23

Can I apply for multiple products at once?

Accepted Answer

Yes! In fact, we encourage it. Not sure which product is right for you? Use our Smart Loan Finder quiz at winvestcapitalllc.com/find-your-loan to get matched with the best options, or apply for multiple products and let our team help you choose the best fit.

Question 24

Is my information secure?

Accepted Answer

Yes. We use bank-level encryption (256-bit SSL) to protect all data submitted through our website. Your personal and financial information is never shared with anyone except the lenders we're specifically matching you with, and only after you've consented to move forward.

Question 25

What are your interest rates?

Accepted Answer

Rates vary significantly by product and borrower profile. Loan Terms start as low as 7.99% APR. Lines of credit start at 1% monthly. DSCR loans start in the high 6s%. Residential mortgages start in the low 6s%. MCAs have factor rates starting at 1.15. The best way to get your exact rate is to apply � it's free with no obligation.

Question 26

Are there any upfront fees?

Accepted Answer

No. Winvest Capital LLC does not charge any upfront fees, application fees, or processing fees. All costs (if any) are built into the loan terms and fully disclosed before you accept an offer. You never pay anything out of pocket to apply.

Question 27

What are the repayment terms?

Accepted Answer

Repayment terms vary by product: MCAs repay daily or weekly from sales. Loan Terms have fixed monthly payments over 1�5 years. Lines of credit have revolving payments (interest only on what you draw). Real estate loans range from 6 months (fix & flip) to 30 years (conventional mortgage). All terms are fully disclosed before you accept.

Question 28

Is there a prepayment penalty?

Accepted Answer

Most of our business funding products (Loan Terms, lines of credit) have no prepayment penalty � you can pay off your balance early without any extra fees. Some real estate products may have a prepayment structure (e.g., 3-2-1 step-down). All terms are clearly disclosed in your offer.

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