Credit stacking is a financing strategy where multiple business credit products may be obtained from different lenders as part of a broader funding approach.

Qualification requirements vary depending on the lender and financing structure.

Requirements vary depending on the financing program.

Some traditional financing programs generally require stronger credit profiles, while certain CDFI or MCA programs may allow lower scores.

Some funding programs may be available for newer businesses, while others require established revenue and time in business.

Funding timelines vary depending on the financing product.

Some merchant cash advance programs may fund quickly, while traditional financing and credit stacking strategies may take longer.

Some lenders may perform soft inquiries, while others may perform hard inquiries as part of underwriting.

The inquiry process depends on the lender and financing program.

Requirements vary depending on the financing program, but common documents may include:

• Driver’s license or government-issued ID

• Business bank statements

• Tax returns

• Business formation documents

• Proof of business ownership

Additional documents may be requested depending on the lender and financing program.

Some financing products are unsecured, while others may require collateral or personal guarantees.

No. Financing approvals are determined by third-party lenders and funding providers based on underwriting criteria.

We work with many types of businesses across a variety of industries.

This depends on the lender and financing product. Terms vary by program.

Possibly. Some financing programs are designed for stronger credit profiles, while others may allow lower credit scores depending on factors such as revenue, time in business, and overall business performance.

CDFI stands for Community Development Financial Institution.

CDFIs are mission-driven financial institutions that help provide financing opportunities to businesses and communities that may have difficulty accessing traditional financing.

Some CDFI programs may offer more flexible qualification requirements than traditional banks.

A merchant cash advance is a business funding product that provides capital in exchange for a portion of future business revenue.

MCAs are often used by businesses seeking fast access to working capital or businesses that may not currently qualify for traditional financing.

In some situations, yes.

Certain business owners may pursue traditional financing while also exploring MCA options depending on their funding goals, timeline, and business needs.

For our business credit stacking program, we typically do not charge fees upfront. Instead, fees are generally earned only after funding has been successfully obtained.

Fee structures may vary depending on the financing program and type of service being provided. Any applicable fees are discussed with clients before moving forward.

No. Nori Funding is not a lender. We help business owners explore financing opportunities through third-party lenders and funding providers.

Business funding may be used for a variety of purposes, including:

• Working capital

• Equipment purchases

• Inventory

• Marketing

• Hiring employees

• Expansion

• Renovations

• Emergency expenses

• Cash flow management

Use of funds depends on the financing product and business needs.