Question 1

Who is Canfield Capital?

Accepted Answer

Canfield Capital is a premier provider of flexible working capital solutions for businesses of all sizes across the nation. We help entrepreneurs unlock the funding they need to manage cash flow, invest in growth, and seize new opportunities—quickly, reliably, and with a personalized approach that sets us apart from traditional lenders.

Question 2

What is revenue-based financing?

Accepted Answer

Revenue-based financing gives businesses immediate access to working capital in exchange for a fixed portion of their future revenue. Instead of a traditional loan with fixed payments, the business agrees to remit a set percentage of its revenue—typically through daily or weekly payments—until the total agreed amount is fully repaid.

Question 3

What is BZH Funding?

Accepted Answer

For businesses that don't yet meet the criteria for Canfield Capital, we offer our BZH Funding program—designed to help you establish a track record and build a relationship with us as your business grows.

Question 4

How much funding can I access through Canfield Capital?

Accepted Answer

Canfield Capital offers funding between $5,000 and $2,500,000.

Question 5

What financing solutions does Canfield offer?

Accepted Answer

Canfield provides both business term loans and merchant cash advances. With a single application, our team will assess which option best aligns with your business's cash flow and capital needs. We're committed to staying ahead of industry trends and continuously developing new funding solutions—so stay in touch with your Canfield representative to explore the latest opportunities available to support your business growth.

Question 6

What industries do you work with?

Accepted Answer

We work with more than 700 different kinds of businesses including restaurants, auto repair shops, healthcare professionals, contractors and many other service providers.

Question 7

How do I qualify for financing through Canfield Capital?

Accepted Answer

To qualify for funding with Canfield Capital, your business must meet these minimum requirements: At least 6 months in business Minimum of $100,000 in annual revenue Business owner's personal FICO score of 580 or higher Active U.S. business checking account

Question 8

Does Canfield perform a hard or soft inquiry on my credit?

Accepted Answer

When determining eligibility, we may perform a soft credit check on the business owner's personal credit.

Question 9

What information do I need to apply?

Accepted Answer

Typically, we only require basic information about yourself and your business. We may ask for: Business Tax ID Last 3–4 months of business bank statements Social Security number of the business owner(s)

Question 10

How does revenue-based financing work with Canfield Capital?

Accepted Answer

Upfront Funding: We provide your business with an immediate lump sum of working capital—minus a standard processing fee. Repayment: You agree to remit a set amount of your future revenue via daily or weekly ACH payments. The total amount repaid depends on your company's performance, industry, time in business, and other underwriting criteria. Contracts clearly outline all dollar amounts—so you know upfront what you're receiving and repaying. In our agreements, the upfront amount is listed as the "purchase price" and the portion of future revenue is called the "amount sold."

Question 11

How fast will I know if I'm approved for funding?

Accepted Answer

At Canfield Capital, speed is our promise. Most of our clients receive an approval decision within just a few hours—often the same day they apply. Submit your application during business hours and expect a near-instant response. Apply after hours? You'll be first in line for priority review the very next morning. We don't believe in waiting—and neither should you.

Question 12

When can I expect to see the money in my account?

Accepted Answer

At Canfield Capital, we know timing is everything. If you're approved before 4:00 PM ET, you can choose to have funds wired directly to your business bank account the same day (wire fees may apply). If you prefer, or if your funding is finalized later in the day, your capital will typically arrive by ACH transfer on the next business day. Fast, simple, and on your schedule.

Question 13

How does payment work?

Accepted Answer

Canfield will deduct payments from your business bank account on a daily, weekly or monthly basis, depending on what type of funding you're approved for. As a Canfield customer, you'll have access to an online account where you can monitor your product(s) and payment activity.

Question 14

How do you decide how much funding I qualify for?

Accepted Answer

At Canfield Capital, we tailor every funding offer to your unique situation. The amount you're eligible to receive depends on several key factors, including your business's cash flow, how long you've been operating, and both your business and personal credit history. Our goal is to align your financing with what makes sense for your business today—and its growth tomorrow.

Question 15

Why does Canfield Capital report revenue-based financing to credit bureaus?

Accepted Answer

At Canfield Capital, we believe your good payment history should work for you. When you receive revenue-based financing from us, you're agreeing to remit a set amount of your future revenue. As outlined in our standard contract, we have the right to share this positive payment information with business credit reporting agencies. Unlike traditional banks, we don't just extend funding—we help you build and strengthen your business credit profile for the future. By reporting your consistent payments, we help position your business for better terms and greater opportunities down the road.

Question 16

How can I find out if I'm in good standing with Canfield Capital?

Accepted Answer

Staying in good standing is simple. If you're actively making your scheduled payments or have an approved payment plan in place with our Account Servicing team, your account is considered in good standing. We also view you as engaged if you're communicating with our team and working toward a solution. If you've made payments or agreed to a payment plan within the last 30 days, you'll be reported as in good standing. Not sure about your status? Our Account Servicing team is always here to help.

Question 17

Why does Canfield Capital use daily or weekly payments?

Accepted Answer

We understand that daily or weekly payments can feel more frequent than a traditional monthly bank loan. But our revenue-based financing isn't a loan—it's a purchase-and-sale agreement designed as a short-term funding solution, typically repaid over 3 to 12 months instead of several years. More frequent payments align with your daily business cash flow and allow us to monitor performance in real time. This helps us respond quickly if you ever need support or adjustments, keeping your business on track without surprises.

Question 18

When am I eligible for renewal?

Accepted Answer

You're typically eligible for a renewal once you've paid down around half of your original balance and demonstrated consistent, on-time payments. Your Account Executive will outline the exact paydown amount required before your funding is finalized, so there are no surprises. When you're ready, you can easily request a renewal by reaching out to your dedicated representative or by submitting a request through the contact form.

Question 19

How can I track my account?

Accepted Answer

Canfield Capital provides all customers with secure online access to manage their funding. Through your online portal, you can view your current balance, check your payment history, and see if you're eligible for a renewal at any time. If you have any questions or need assistance, email us at info@canfieldcap.com or call 888-990-7585 to speak with an account executive.

Question 20

How can I request reconciliation or adjust payments?

Accepted Answer

Please email info@canfieldcap.com or reach out through the contact options below — our team will work with you on adjustments.

Question 21

Do you withdraw payments on holidays?

Accepted Answer

No, Canfield Capital only processes payments on days when banks are open. We never debit your account on any U.S. bank holidays, so you won't see a withdrawal when banks are closed.

Question 22

Should I consider settling my Merchant Cash Advance (MCA) debt?

Accepted Answer

While debt settlement may seem like a quick fix, it's often not the best path for resolving a merchant cash advance (MCA) obligation. Settling an MCA can: Harm your ability to secure future funding, as most funders share data and may flag your business as high-risk Trigger legal action, since MCAs are not loans—defaulting or attempting to settle often violates the agreement terms Offer no legal protection, leaving you vulnerable to lawsuits, account freezes, and aggressive collection efforts Increase your costs, as additional fees, penalties, and legal expenses can outweigh the benefits Damage your business credit and reputation If you're struggling with your current payment structure, we encourage you to speak with a Canfield representative. We're often able to work with merchants to adjust terms without the long-term consequences of settlement.

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