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  • Who is eligible to apply for funding through 3S Capital?
    3S Capital Group accepts all industries and can fund in all 50 U.S. States. To be eligible to apply for funding, select businesses* must: Have been in business for at least 4 months Minimum monthly revenue of $10,000 USD Have a valid business checking account *Satisfy all other eligibility requirements and criteria.
  • Do you check my credit?
    No! We do not make any credit inquiries and applying with us will not impact your credit report in any way.
  • What information and verification do you need from my business?
    We verify your business using your business’ bank account(s). Our application also collects information such as your name, business name, home and business addresses, home and business phone numbers, business industry, business tax ID and Social Security number.
  • How long does it take to be approved?
    It takes less than 5 minutes to know if you're approved! Once approved, you'll taylored offer specific to your needs ranging from $5,000 up to $1,000,000 upon verifying your identity and bank account. In some situations, we may need to perform additional steps to confirm your identity or verify your bank account.
  • How do you determine how much my business will qualify for?
    In order to determine the amount of your advance, we review information about you and your business through data sources such as your business’ bank account, bankruptcy records, and your repayment history. To determine the financial performance of your business, we analyze your average monthly revenue, time in business, and transaction volume, among other metrics. Reviewing the bank account(s) you connect and the corresponding data gives us a picture of your business in real time, without requiring you to submit paperwork. When you add additional data sources in the future, we may use this data on an ongoing basis. Our persistent data connectivity helps us continuously review your eligibility and ensures you have the right amount of funding available to you at the right time, based on your latest business performance.
  • Where can I review my payments?
    On your Wells Advance Payment Tracker, you can review your upcoming payments and historical payments, and preview early payment discount options as well.
  • What if I will not have enough money in my bank account to satisfy my minimum payment on it's due date?
    We will attempt to withdraw the minimum monthly amount due from your Business Bank Account on the date due. If you have funds available in a different bank account that is linked to your account, you can make a manual payment before your due date to satisfy your minimum monthly amount due. If you anticipate having any issues making your payment, contact us before the scheduled due date.
  • Can I make a manual repayment?
    There are certain specific circumstances in which you can make manual repayments toward your outstanding balance. Check your dashboard or contact Wells Advance for details about any manual repayment options.
  • How do I change my connected business bank account?
    For your security, the first bank account you choose when applying is set as your Funding primary account. This is where funds are deposited and where automatic payments are withdrawn. If you would like to change your Funding primary account, please contact us.
  • How much money does 3S Capital Group offer businesses?
    3S Capital Group offers businesses working capital ranging from $5,000 to $1,000,000.
  • Where can I have my money be deposited?
    The loan can be deposited into your business’s checking account and it takes less than 24 hours for the wire to show up and fully transfer into your account. Wire processing times may very by 1 business day, depending on your bank.
  • How do I return my cash advance?
    If you want to return the funds you received, please contact us within 24 hours of getting funded. Our team can walk you through returning it with no cost to you. If it has been more than 24 hours since you received the funds, you'll be responsible for repaying the loan pursuant to the terms of the loan agreement.
  • Can I get more than one advance from 3S Capital Group at a time?
    Yes, you can have more than one advance at a time. Through the 3S Capital Group's online payment tracker, you can receive receive additional capital as long as your business' performance has remained steady.
  • How secure is my information?
    We follow industry standard information security practices to maintain the confidentiality and integrity of your information. We do not store external login credentials. For more information, review the Security of Information section of our Privacy Policy.
  • Why do I need to allow access to my bank account?
    We use the connection to your bank account to determine your eligibility to receive funding. We ask that you connect your bank account online so we can assess your business performance information quickly and in an automated way, saving you the hassle of preparing financial statements and digging up old paperwork.
  • Why do I have to verify my personal information when I call 3S Capital?
    We take your privacy very seriously. We ask you to verify your personal information so that we can ensure we are not sharing sensitive information with anyone but an authorized account representative.
  • Do you sell my information to third parties?
    We do not sell your data to third parties. Your information is used strictly to help us best serve you.

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Recent Reviews


1 week ago

Great Experience

Finally, I've met a lender that understands my needs... lol

3S Capital service and platform is truly amazing, and the whole process could not have been easier!

Kim Occir


2 days ago

Very Friendly and helpful .

John C.


2 days ago

I highly recommend!

I'm a real estate photographer and have been expanding my team over the last year. I needed some cash to buy some new camera gear that was on sale. David was beyond helpful in helping me through the application process a!

Enes Palmer

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