Frequently Asked Questions (FAQ)

We’re here to help. Below you will find answers to commonly asked questions.

What are my next steps?

We have a simple 3 step process shown at the bottom of most pages. Click on any “Fast Approval Here!” button or link to get started.

You are welcome to submit any requests through our fast approval process, phone, or email.

Many occasions you will be invited into a secure client portal where your documents will be waiting. Occasionally we will email secure/encrypted links or attached documents for you to complete and/or review.

Could I qualify if I have a bankruptcy on my record?

Bankruptcies must be discharged at least 1 year.

Do you offer financing for start-up businesses?

Yes, this is an area we specialize in. Submit your Fast Approval Here!

How fast will I be approved or denied?

Working Capital – Pre-qualify within 5 minutes after a brief conversation with us – 7 days a week

Fix and Flip / Rental Loan / Refi – Typically a term loan sheet will be emailed to you within 4 hours – 7 days a week. This will include the exact down payment, rates and cost that Keystone Commercial Finance will approve.

All other funding requests – Typically you will have an answer within 24 to 48 hours after submitting your documents.

My credit isn’t the best, could I still qualify?

Keystone Commercial Finance can help with A, B, C, and D credit ratings.

Could I qualify without collateral?

Yes, we offer unsecured business lines of credit with an approval rate over 85%.

What documents are needed?

Required documentation will vary depending on lender guidelines, loan type, and amount requested. Typically, loans less than $100,000 will require basic information such as an application and 3 months of bank statements. Other loans may require additional financial documentation including personal and business tax returns.

What areas do you serve?

We offer financing in all 50 states and select international markets.

What is the best way to contact you?

Use our contact form or send us an email at You can also call us at (800) 466-7313

Do you run a credit report?

Keystone Commercial Finance and/or our lending partners will run a soft credit inquiry (this will not negatively affect your credit) before an offer letter is issued and will choose to do a hard credit inquiry during the underwriting process. This will help us provide the best financing solution for your goals.

Note: Some of our lending partners will run a hard credit inquiry before an offer letter is issued.

I have been denied by my bank, could you still help?

We offer many alternative financing options and we’re not limited to strict underwriting guidelines like most banks. We can get most businesses financed when banks say no.

Could I still qualify if I don’t have a business?

Yes! Through our Business Success System no EIN or Business Entity is needed at the time of submitting your request. You will need a business entity and EIN before we can start the funding process.

What is the interest rate?

Financing options and interest rates will vary, interest rates as low as 3.75 percent.

What industries do you serve?

Keystone Commercial Finance offers financing options to almost any business and all types of industries. You can view our commercial financing programs here.

Is my information private?

Security is the highest priority! Your information is kept private and secure – we do not sell your information.

Typically documents are secured in your very own client portal – This portal uses the same encryption technology used by banks. Any information sent or uploaded uses a secure, SSL/HTTPS connection, and all files are encrypted both in transit and at rest. Every file in this portal is automatically encrypted when stored as well as during upload. Please note: Occasionally we will email secure/encrypted links or attached documents for you to complete and/or review.

Do you also provide marketing services? 

Yes, we have a team of experts that specialize in a wide range of digital marketing services to help your business successfully compete in its industry online.

Digital and content marketing should always be complemented by a solid traditional marketing campaign. We can help you with your print advertising as part of your overall marketing strategy that can allow you to reach the segment of your audience that may not be online.

Visit our marketing services page here or contact our professional marketing team today for a quote.

Why should I choose Keystone Commercial Finance over other lenders?

Traditional lenders can have a very time-consuming application process, strict underwriting guidelines, and may take months to fund.

We have a simple 3 step process shown at the bottom of most pages. Click on any “Fast Approval Here!” button or link to get started.

At Keystone Commercial Finance, we understand that every application is unique. If you have a time-sensitive opportunity that you need capital for or you have a lower than average credit rating, we’re here to help.

We are a results-driven finance company in your corner offering an entire menu of alternative financing options.

Ask our experts

If you still can’t find the answer you’re looking for, we would love to hear from you. Contact us here.