If something isn't covered here, call us. We'd rather explain it on the phone than leave you guessing.
We are a U.S.-regulated financial advisory firm. We connect established businesses with structured funding through our network of U.S. banking institutions. We have been doing this since 2009 and have deployed over $500M to more than 500 businesses worldwide.
We operate under full compliance with U.S. federal banking regulations. Every application goes through a rigorous review process that includes:
We work with businesses that have a track record. You don't need to be a large corporation, but you do need to be an established operation with financial history we can review. We serve companies across manufacturing, logistics, real estate, professional services, retail, and more. If you're not sure whether you qualify, just call us.
Our programs cover a wide range depending on what you need:
If you're unsure which tier fits your situation, we can figure that out together in one conversation.
Rates run from 6% to 15% depending on the program and your specific situation. Whatever rate we agree on at the start is the rate you pay for the life of the loan. We don't do variable rates. All terms are laid out clearly before you sign anything.
It depends on the program:
Yes, on every program. There are no prepayment penalties at Truly Consulting. If your business is doing well and you want to clear the loan early, you pay it off and that's it. No fees, no complications.
You create an account on our portal, fill in your business information, and upload your documents. The whole thing takes about ten minutes if you have everything ready. Once we receive your file we review it and come back to you with a decision, typically within 24 to 48 hours.
Standard requirements for most programs include:
If something specific comes up during review, we'll ask for it directly rather than sending you a long checklist upfront.
A preliminary decision comes back within 24 to 48 hours of submitting a complete application. Full approval and funding usually takes 3 to 7 business days. For express programs where all documents are in order, same-day funding is available.
All data is transmitted using 256-bit SSL encryption and stored in secure, encrypted systems. Access requires multi-factor authentication. We do not share your information with third parties outside of the compliance and banking processes required to process your application.
Every file goes through a full compliance review including identity verification (KYC), AML screening, and sanctions list checks against OFAC, EU, and UN databases. We also verify the business legitimacy and source of funds. This is non-negotiable and applies to every client regardless of program size.
All transactions are structured through our partnerships with U.S.-regulated banking institutions and include the appropriate insurance structures for the program in question. The express programs specifically feature an insured loan structure as a standard feature.
Everything is available through the online portal, 24 hours a day. You can view your balance and payment schedule, download statements, make payments, and send secure messages to your relationship manager. For anything more complex, your manager is available during business hours by phone and email.
Every client gets a dedicated relationship manager from day one. That person handles your file from application through funding and stays assigned to your account afterward. You are not passed around. For institutional clients, you get a senior manager and access to our advisory team.
Yes. Many of our clients come back for a second or third facility as their business grows. In some cases a single larger program ends up being more efficient than two smaller ones running simultaneously. Your manager can walk you through the options when the time comes.