Starbend Commercial Capital, a funding service in Las Vegas, NV, explains its request process: Starbend matches your request with funding partners, who review it and make their own decision. The steps are to describe the expense, narrow the structures, let a partner review, then compare the written offer. The page covers the requirements partners set, credit checks, personal guarantees, offer comparison and red flags for Clark County, NV owners.
Two roles in every request: arranger and funder
Starbend Commercial Capital is a broker, not a lender. A lender supplies the money, decides whether to approve, and sets the rate, fees and schedule. Starbend's job is earlier in the chain: we help you define the request, pick the structures that fit, and pass the request to funding partners that offer them. What a loan broker does, in short, is match and prepare; the partner reviews and decides.
That split matters when you compare offers. Starbend does not set prices and cannot promise an outcome, so every number you rely on should come from a partner's written offer.
Step 1: Put the bill or quote on the table
Begin with a call to (702) 514-0959 or the Starbend form. The form asks for your full name, phone, email and company name (optional), plus three picks: time in business, an annual revenue range and a requested amount range. On the call we ask what the money will pay for, when it is due, and how your revenue arrives: card sales, insurance payments, client invoices or retainers.
Step 2: Narrow the options
With the expense in view, we compare the six structures and set aside the ones that do not fit. A recurring payroll gap points toward working capital or a line of credit; a chair or an oven points toward equipment financing; a card-heavy business may also be offered a merchant cash advance, which is not a loan. The comparison page sets the six next to each other.
Step 3: The partner's review
Requirements for getting a business loan differ by partner and by product, but these records are worth gathering:
- Recent business bank statements
- Business returns and a current-year P&L
- Formation documents and the owner's identification
- A vendor quote, purchase agreement, lease or contract tied to the request
- Every open loan, lease and advance, listed
Partners publish no single threshold for time in business, revenue or credit, and Starbend does not invent one. The partner decides whether to make an offer, what it says, and what conditions apply.
Step 4: Read the written offer
Compare offers on total payback, not on the headline number. A loan quotes an interest rate or APR; a merchant cash advance quotes a factor rate, which fixes the total collected regardless of how quickly it is remitted. Line up total payback, payment frequency, term, fees, collateral and prepayment terms before you sign. Turning an offer down is always your call.
Can a funding request move my credit score?
It can. Some partners start with a soft credit inquiry, which does not affect a score; others run a hard inquiry once a full application is under review, which can lower a personal score slightly for a period. Ask which kind of check a partner will run and when, before you authorize it.
Will every partner want a personal guarantee?
Not necessarily, but some do. A personal guarantee is a promise by an owner to repay the business debt if the business cannot. Some partners ask for one from each owner holding a significant share, particularly for younger businesses or loans without hard collateral. Read the guarantee carefully: some are limited to an amount, others are unlimited.
Red flags when comparing offers
- Being hurried past pages you have not read
- A request for payment before you have a written offer to review
- No total-payback figure anywhere in the offer
- Empty spaces left in a contract put in front of you
- A promise of approval before anyone has reviewed your records
Questions about a specific offer are welcome before you sign. The FAQ covers several, and the disclosures set out Starbend's role in full.
By Starbend Commercial Capital · Updated