Sullivan Straight answers.
Does applying affect my credit?
No. The application and the bank statements are what our lenders need for a first read. A consumer credit inquiry happens only if you accept a term sheet that requires one, and we tell you before it happens.
Are you a lender?
No. Sullivan Financing is a commercial debt brokerage. We package your file and place it with one to three private lenders matched to your asset class and profile. We never broadcast it to a list.
Why is my application already filled in?
You applied before through us or one of our partners, and that application is the file we open. Every pre-filled answer is editable, and what you submit replaces what we held.
Why can't I see my SSN or tax ID on the page?
By design. Those fields stay on file and are never sent back to the browser. The page tells you they are on file; if they changed, untick "keep what is on file" and enter the new value.
Which statements do you need?
The three most recent months of your business operating account, as PDFs from your bank's website. Statements from a previous application are not reused.
I have open advances. Is that a no?
No. It decides which product fits. List them on the application; a consolidation is priced from exactly that.
How fast?
First read within one business day. Term sheets in 24 to 72 hours for advances, lines and equipment. SBA and larger term loans take longer because they need financials and a fuller review.
What does it cost?
Nothing to apply. Any term sheet states the total cost in dollars, not a rate you have to translate, and the term in days or months.
How do I stop the emails?
Reply with the word stop to any email, or write to info@sullivanfinancing.com. It takes effect immediately.