Frequently Asked Questions

SiroCapital has years of experience helping companies get SBA loans funded by participating lender banks. Participating lenders use SiroCapital's proprietary technology to issue SBA loans digitally to small businesses. SiroCapital may assist clients from time to time in applying for SBA loans through these participating lenders. Availability is subject to qualifications and eligibility screening as conducted by SiroCapital or its partners, including participating lenders.

Revenue-Based Financing is used by almost all of our customers. In Revenue-Based Financing, SiroCapital is purchasing your future business receipts (Receivables) at a discount. Revenue-Based Financing agreements are repaid from an agreed percentage of your business receipts (Receivables) – and only from your business Receivables -- until the agreed sale price (Amount Sold) is reached. To ensure repayments are only made from your business receipts (Receivables), you have a right of true-up/reconciliation to ensure that payments are made only from Receivables.

No. Revenue-Based Financing is not a loan product, so there is no fixed term and no interest rate. This product is secured via a UCC lien on your company’s receivables and business assets and typically requires a personal performance guaranty from one or more owners of the business. You can find out more about Revenue-Based Financing here.

Once you create an account, you will get a Prequalification Estimate if you are eligible. This is an initial estimate of what you might get, subject to your completing an application, providing supporting financial documentation, and other terms and conditions.

Revenue-Based Financings are subject to eligibility criteria, other terms and conditions and a signed final financing agreement, and are made at the sole and final discretion of Itria Ventures LLC. A copy of a valid government-issued photo ID for all business owners is required prior to closing.

Only a small percentage of our customers are eligible for a Term Loan, due to stricter eligibility requirements. Once you submit your application, we will let you know if you are eligible for a Term Loan.

A Term Loan has an average term of 1-3 years and principal and interest are amortized and repaid on an agreed periodic basis. This product is secured via a UCC lien on your company’s business assets and typically requires a personal guaranty from one or more owners. You can find out more about our Term Loans here. Term Loans are subject to eligibility criteria, other terms and conditions and a signed final financing agreement, and are made at the sole and final discretion of the lender. A copy of a valid government-issued photo ID is required prior to funding.