See What Funding Could Look Like — Before You Apply.
A short set of questions about your business and how it takes payments. It is a first look at what may be available, not an application and not an offer of credit — and it takes a few minutes rather than an afternoon.
- Equipment financing
- Working capital
- Merchant cash advance
- Term funding
- A few minutes
- No documents to start
A first look, not a decision.
Worth knowing exactly what you are filling in before you fill it in.
Pre-qualification is the step before an application. You describe the business — how long it has been trading, what it turns over, how much of that arrives by card — and a funding partner tells you whether a facility looks possible and roughly what shape it might take. No documents are needed to start, and nothing is committed on either side.
It is useful for the same reason a statement review is useful on the processing side: it replaces a guess with something specific, early, before anyone has spent time on paperwork that was never going to lead anywhere.
Pre-qualification is subject to review by the funding partner. Nothing on this page is an offer of credit, a commitment to fund, or a guarantee of approval, and no amount, rate or term is implied by completing the form.
- What you enter The shape of the business rather than its paperwork — trading history, revenue, card volume, and what the funding is for.
- What comes back Whether a facility looks possible, and which kind of funding fits the answer. It is an indication, not an approval.
- What it is not Not an application, not an offer of credit, and not a commitment to fund. Terms come in writing, after a full review, or not at all.
- Who decides The funding partner underwrites and decides. Highline coordinates the relationship around it — the account, the equipment and the funding in one place.
Four kinds of funding. The form covers all of them.
The form asks about the business, not about the product. Which kind of funding fits comes out of the answers rather than going into them — so if you are not sure whether you are looking at working capital or an equipment facility, start anyway and let the answer come back.
Compare Funding Types- Equipment financing
- Spreading the cost of terminals and POS hardware rather than buying it outright.
- Working capital
- Funding for the ordinary running of the business — stock, payroll, a gap between invoices.
- Merchant cash advance
- Repaid as a share of card takings, so it moves with the business rather than against it.
- Term funding
- A fixed amount over a fixed period, on terms agreed in writing before anything starts.
What the form is, and what it is not.
Mostly about limits — because the risk here is not that you do not submit it, it is that you submit it believing something that is not true.
Talk to Highline FirstIs pre-qualification the same as being approved?
No. Pre-qualification is a first look, based on what you tell us about the business. Approval is a decision a funder makes after reviewing documentation, and nothing on this page — including a completed form — is an approval, an offer, or a commitment to fund.
What will the form ask for?
The questions come from the funding provider, so the exact list is theirs rather than ours. In general a first look is built from the shape of the business: how long it has been trading, what it takes in, how much of that arrives by card, and what the funding is for.
You are not asked to send documents to complete it. If a review goes further, the provider will tell you what they need.
Does completing this affect my credit?
That depends on the provider and on how far a review goes, and it is their answer to give rather than ours. Their form states what they do before you submit it — read that page rather than relying on a general statement here. Commercial funding reviews commonly consider credit history and may involve personal guarantees.
Is Highline the lender?
No. Highline coordinates the relationship — the merchant account, the equipment, the gateway and the funding conversation — so that they are handled together rather than by four separate providers who do not speak to each other. Funding itself is provided and underwritten by funding partners, and the terms of any facility are theirs.
What happens after I submit it?
The provider reviews what you sent and comes back to you. If a facility looks possible you will be told what would be needed to take it further, in writing, before anything is agreed.
If you would rather understand the options before filling anything in, that is the better order — the four funding types are set out on the Funding page, and we are happy to go through them with you first.
A form is one way in. A conversation is the other.
One form. Four kinds of funding.
- A first look, not an application
- No documents needed to start
- Nothing here is an offer of credit or a guarantee of approval