Frequently Asked Questions

GMNK Capital is an independent financing broker and capital advisory firm — a DBA of GM & NK LLC. We are not a bank, and we do not lend money directly. Instead, we act as your advocate, connecting you with the right lenders from our network of 200+ banks, private funds, credit unions, and non-traditional financing sources. We are paid by lenders at closing, which means our services cost you nothing.

No. GMNK Capital does not fund or hold loans. We are a financing broker and capital advisor. Our value is our network and our expertise — we know which lenders to approach for your specific situation and how to present your deal to maximize your chances of approval and favorable terms.

GM & NK LLC is the parent company of GMNK Capital. GMNK Capital operates as a DBA (Doing Business As) of GM & NK LLC. All advisory services, lender introductions, and capital facilitation are conducted through this entity.

It's simple. First, you submit a no-cost, no-obligation inquiry through our contact form or by calling us. An advisor will reach out to discuss your financing needs, business profile, and goals. We then identify the best lender matches from our network and present you with options. You review, choose what works, and we guide you through to closing. Most clients are funded within 24–72 hours of approval.

No. Our initial process uses a soft credit inquiry only, which does not affect your credit score. A hard pull only occurs if and when you formally apply directly with a lender — and only after you've reviewed and agreed to proceed with a specific financing option.

Funding timelines vary by product and lender. For working capital products like lines of credit and merchant cash advances, funding can happen in 24–48 hours. SBA loans and commercial real estate transactions typically take 2–8 weeks due to underwriting requirements. Your advisor will give you a realistic timeline based on your specific situation upfront.

Requirements vary by product. Typically, lenders will request: 3–6 months of business bank statements, 1–2 years of business tax returns, a government-issued ID, and basic business information (EIN, formation documents). For larger or more complex transactions, additional documentation like P&L statements or commercial leases may be needed. Your advisor will walk you through exactly what's needed for your specific deal.

Nothing. GMNK Capital charges no upfront fees to clients. We are compensated by the lender at closing — similar to how a mortgage broker operates. If we don't deliver a financing solution, you pay nothing. There are no application fees, no consultation fees, and no obligation to proceed.

It's a fair question. Because we have relationships with 200+ lenders and no exclusive arrangement with any of them, we have no financial incentive to favor one lender over another. Our incentive is simple: find you the best deal, close it, and earn your referral. We are transparent about how we're compensated and will disclose this fully upon request.

It depends on the product and lender. Traditional bank loans and SBA programs typically require 650+. Alternative and non-traditional lenders in our network can work with scores as low as 500–550. Credit score is just one factor — time in business, revenue, and cash flow also matter significantly. Contact us and we'll give you an honest assessment of your options.

Yes. We have lenders in our network who specialize in startup and early-stage financing. Options may be more limited and terms may vary, but being a new business does not automatically disqualify you. We offer startup-focused products and will be upfront about what's realistically available based on your profile.

That's exactly why we exist. Banks have narrow credit boxes and decline thousands of creditworthy businesses every day. Our network includes private lenders, credit funds, and non-traditional financing sources that evaluate deals very differently from traditional banks. A bank decline is often just the beginning — not the end — of your financing journey with us.