Getting started
What does Goldhour Capital do?
Goldhour Capital is a New York business funding brokerage. We match business owners with funding partners. We do not set the terms of an offer.
How do I get started?
Complete one application through our interactive form or chat-style form. A specialist will learn about your business and help you understand possible options.
What happens after I apply?
We review what you share and help connect you with a funding option that may fit. If you receive an offer, we break down its terms in plain English before you sign.
How much funding may be available?
Funding may be available up to $2M. The amount and terms depend on the funding partner and your business details. An application is not a promise of an offer.
Do I have to accept an offer?
No. You can review the details, ask questions, and decide whether to move forward. Take the time you need.
Qualifying
Who are the owners you usually work with?
Owners we usually work with have been in business for 1+ year, have 550+ credit, and bring in $50K+ in monthly revenue. These are typical fit guidelines, not automatic cutoffs.
What if my business does not match those guidelines?
You can still tell us about your business. Every business has its own details, and we will be straightforward about what options may be available.
What information should I have ready?
Be ready to share basic business details, monthly revenue, time in business, and information about the amount and use of funds you are considering. We will explain what else may be needed.
Does my credit determine everything?
Credit is one part of a review. Funding partners may also consider business revenue, time in business, and other details. Each partner sets its own review process.
Can a newer business apply?
You can share your situation with us. Owners we usually work with have 1+ year in business, but that is a typical fit, not a promise or a rejection rule.
Offers and pricing explained
Who sets the terms of an offer?
The funding partner sets its own terms. Goldhour is a brokerage. We do not set or change the offer terms.
What will Goldhour explain about an offer?
We lay out the cash that lands, every fee by name, total payback, payment amount, term, and exit terms side by side, in plain English.
Why can offers look different from each other?
Funding partners have their own review methods and terms. Compare the full offer, not just the amount or payment. We can help explain the differences.
How do I know what the fees are?
Ask for each fee by name and how it affects the cash you receive and total payback. We will help you understand the figures shown in the offer before you sign.
Does Goldhour decide whether an offer is right for my business?
We can explain what the terms mean and help you compare offers. You know your business best, and the decision to accept is yours.
The Offer Decoder
What is the Offer Decoder?
The Offer Decoder is a tool for entering an offer you already received. It translates the terms into plain English so you can see what to ask and compare.
Can I use it for an offer from another company?
Yes. You can enter an offer you have received elsewhere and use the Decoder to help understand its terms.
What should I look for in an offer?
Look at the cash that lands, every fee by name, total payback, payment amount, term, and exit terms. The Decoder helps organize those details.
Does the Offer Decoder change or approve an offer?
No. It helps explain the information you enter. The funding partner is responsible for its offer and terms.
What if a term is missing or unclear?
Do not guess. Ask the company that issued the offer to explain it in writing before you sign. You can also ask your Goldhour specialist to help you frame the question.
Payments
How are payments set?
The funding partner sets the payment amount and schedule. Check the offer for the exact terms before you agree.
Will I know the payment amount before signing?
The offer should show the payment amount and schedule. We will help you review those details before you sign.
Can payments change over time?
That depends on the terms in the offer. Ask the funding partner whether payments are fixed or can change, and what could cause a change.
What happens if I have a question about a payment after funding?
Contact your funding partner about account servicing or payment details. Your named Goldhour specialist stays with you before and after funding and can help you understand who to contact.
Should I plan around the payment schedule?
Yes. Review when payments are due and how they fit your business cash flow. Ask questions about any term you do not understand before signing.
Paying off early and exits
Can I pay off an offer early?
That depends on the offer. Ask the funding partner how early payoff works and have the answer confirmed in writing before you sign.
What are exit terms?
Exit terms explain what happens if you pay early, close the arrangement, or need to address another change. The details depend on the offer.
Will paying early reduce the total payback?
Do not assume so. Ask the funding partner how an early payoff is calculated and whether the total changes. Review the written terms before making a decision.
What if my business needs change after funding?
Contact the funding partner to ask what options are available under your agreement. Your Goldhour specialist can help you understand the terms and next steps.
Can Goldhour change exit terms for me?
No. The funding partner sets the terms. Goldhour can help explain them, but cannot change them.
Renewals and multiple advances
Can I ask about funding again later?
You can contact your specialist to discuss your business needs. Any new offer depends on a separate review and the funding partner's terms.
Does having an existing advance prevent me from asking about another?
Not necessarily. Tell us about your current arrangement so the situation can be reviewed. Each funding partner decides what options, if any, may be available.
What should I consider before taking another advance?
Look at all current and proposed payments, total payback, fees, term, and exit terms together. Make sure you understand how the combined commitments fit your cash flow.
Does a renewal mean I will get the same terms?
No. A new offer may have different terms, and an offer is not guaranteed. Review every detail before deciding.
Can Goldhour promise a renewal or additional funding?
No. Goldhour does not set partner terms or promise an offer. We can help you understand any options that are presented.
Privacy and calls
What happens to my information?
We never sell or share your information. We use what you provide to help understand your business funding needs.
How many applications do I need to complete?
The process starts with one application. A Goldhour specialist can help you understand the next steps.
Who will call me?
One company calls you. Your named Goldhour specialist is your point of contact before and after funding.
Will I speak with the same specialist after funding?
Yes. The same named specialist stays with you before and after funding, so you have a familiar person to contact.
Can I ask questions before I move forward?
Yes. Ask your specialist to explain the process, the offer details, and what happens next. We will keep the conversation plain and at your pace.
Make the most of the light.
One short application. One company calls you. Every offer laid out in plain English before you sign.