FAQ

Sullivan Financing is a direct lender; we are not a broker. You work with us directly, with no middleman or broker fees. We keep the process simple and transparent.

There is no application fee. The only documentation we require is bank statements. You complete a single application online.

No. We do not run a hard credit pull. We do not file UCC liens.

Anchor Capital is our fixed-term loan product—predictable payments and a set payoff date. PartnerBack uses government-backed (SBA) programs, so it often has lower rates and longer terms for qualifying small businesses. We’ll help you choose based on your eligibility, timeline, and goals.

FlexLine is a revolving line of credit. It’s best for businesses that need flexible access to capital—seasonal spikes, payroll, inventory, or short-term opportunities—and want to pay interest only on what they draw. You get a credit limit and use it as needed.

Span Financing is built for speed. Depending on the deal and documentation, we can often close in a matter of weeks. Timeline depends on property type, loan size, and how quickly we receive required information. We’ll give you a realistic timeline when we review your situation.

Yes. Unify can bring together business loans, merchant advances, and other obligations into one loan with one payment and one payoff date. That can simplify cash flow and, in many cases, reduce total cost. We’ll review what you have and structure an offer accordingly.

With a traditional mortgage or HELOC, you make monthly payments. With Equity Release (reverse mortgage–style financing), you typically don’t make required monthly payments during the loan term. The balance is usually due when you sell the home or no longer use it as your primary residence. Age and equity requirements apply; we’ll walk you through eligibility.

Complete our application online. There is no application fee. We will ask about your situation and the type of financing you are considering. We do not run a hard credit pull. The only documentation we require is bank statements. We will specify what we need and when.