FAQ
Questions business owners ask
Straight answers about funding, eligibility and working with us. Still have a question? Call us at (410) 891-5976.
Funding basics
What is 0% intro APR funding?
Business credit cards and lines that charge 0% interest for an introductory period, usually 6–24 months. During that time every payment goes toward the principal. Standard rates apply after the promotional period ends.
How much funding can I get?
Most clients secure $50K–$250K+. Your amount depends on your credit profile, income and business revenue. We give you a realistic number on the strategy call.
How fast can I get funded?
Approvals can come in as little as 20 days once your strategy is set.
What types of funding do you work with?
0% business credit cards and lines, SBA loans, working capital and lines of credit, real estate investment funding, equipment financing and startup funding. See Funding Solutions.
Are you a lender?
No. Koval Investments is a funding advisory firm. We build your strategy and work with our network of lending partners and card issuers, who make the final approval decisions.
Eligibility
What credit score do I need?
Most of our funding clients start with a personal score of 650 or higher, card utilization at 30% or below, and no bankruptcy in the last 5 years. Established business revenue opens more options.
Can I get funding for a new business?
Yes. Startup funding strategies rely mainly on the owner's personal credit profile, so a business without years of revenue can still qualify.
Will checking my eligibility hurt my credit?
No. The questionnaire and the strategy call do not involve a credit pull. Hard inquiries only happen when you apply with a lender as part of the agreed plan.
What documents will I need?
Usually a photo ID, recent business bank statements and your business formation documents. SBA loans and larger amounts may also require tax returns. Your advisor will give you the exact list.
Working with us
How much does your service cost?
Every case is individual, so pricing depends on your situation and the funding strategy we build for you. Your advisor will walk you through it on the free strategy call.
What happens on the strategy call?
We review your goals, credit profile and business details, tell you which funding you can realistically access, and lay out the plan and timeline.
Is my information safe?
Yes. Everything you share is 100% confidential and handled through secure, encrypted systems.
M&A and valuation
Do you help buy or sell a business?
Yes. Our M&A advisory covers sell-side and buy-side deals, due diligence and business valuation. See M&A Advisory.
How long does it take to sell a business?
It depends on the size of the business, how prepared it is and the market. Many sales take six to twelve months from valuation to closing.
Can you finance the purchase of a business?
Yes. We can arrange acquisition financing, including SBA 7(a) loans, alongside the advisory work.
Is the process confidential?
Yes. Information is shared only with qualified parties under a confidentiality agreement, and only when you approve.
If you don't qualify yet
What if I don't qualify right now?
We'll tell you exactly what's holding you back and offer our Credit Optimization Program, provided by Lion Investments, to get your profile funding-ready.
How long does credit optimization take?
It depends on your starting point. Our consultant will give you a realistic timeline after reviewing your report. When your profile is ready, you come back to Koval for funding.
Ready to scale?
Join 1,200+ entrepreneurs funded at 0% intro APR
Your strategy call is free. Answer a few questions and we'll match you with the right advisor.
Business funding strategy and execution for owners, investors and professionals.
Company
Funding
Contact
145 W Ostend St, Baltimore, MD 21230
Mon – Fri, 9 AM – 6 PM
© 2026 Koval Investments. All rights reserved.
Koval Investments is a funding advisory firm and is not a lender. All funding is subject to lender approval, underwriting and terms. 0% APR refers to introductory promotional rates offered by card issuers on qualifying business credit products; standard rates apply after the promotional period. The card shown is an illustration. Results vary and are not guaranteed. Credit optimization services are provided by Lion Investments.