# How to choose a business funding broker

Source: https://revenuenotcredit.com/guides/how-to-choose-a-business-funding-broker

A good broker saves you time and gets funders competing for your file. A bad one costs you money. Here's how to tell the difference.

## Questions to ask

**Do you charge me anything?** A broker should be paid by the funder, not you. **How many funders will see my file?** More fitting funders means better offers. **Will I see the total payback and payment schedule before I sign?** The answer must be yes. **Are you a lender?** A broker should say clearly that it isn't.

## Red flags

Upfront or "processing" fees. Guaranteed approval before anyone has seen your statements. Pressure to sign the same day. Calling a merchant cash advance a "loan" with an interest rate that doesn't match the total payback. Asking for your Social Security number or bank login in a chat or text.

## How we work

Revenue Not Credit charges merchants nothing; funders pay us when a deal closes. One application goes to several funders that fit your business. We line up every offer's amount, total payback, and payment schedule in plain numbers. Applications are e-signed with a full audit trail, and bank statements stay in secure storage. [Start an application](https://revenuenotcredit.com/apply).

_General information only. Every funder sets its own terms; offers show exact numbers before signing._