Frequently Asked Questions
Find answers to the most common questions about our funding solutions, application process, and repayment terms.
General
About DD Capital
Learn who we are, what we do, and how we help businesses access the capital they need.
Dosu & Dejumo Capital is the dedicated business funding division of Stalwart Crest. We provide fast, flexible capital solutions to small and mid-sized businesses across the United States, offering funding from $5,000 to $500,000 to help businesses operate, grow, and thrive.
No, DD Capital is not a bank. We are a direct business funding provider that offers an alternative to traditional bank financing. Our streamlined process allows us to deliver faster approvals and more flexible qualification criteria than conventional financial institutions.
Traditional bank loans often require extensive paperwork, high credit scores, and weeks or months of waiting for a decision. DD Capital evaluates your business based on revenue performance rather than credit alone, and we fund approved applications in as little as 24 hours. Our process is designed to get capital into your hands when you need it most.
Absolutely. We use industry-standard encryption and security protocols to protect all personal and business information submitted through our platform. Your data is never sold or shared with unauthorized third parties, and we maintain strict compliance with all applicable data privacy regulations.
Yes, DD Capital provides funding to businesses in all 50 states. Regardless of your location, our funding advisors are available to help you explore your options and secure the capital your business needs to succeed.
Products
Our Funding Solutions
Understand the funding products we offer and how each one is designed to serve different business needs.
A Merchant Cash Advance (MCA) provides your business with a lump sum of capital in exchange for a percentage of your future sales. Repayment adjusts automatically based on your daily or weekly revenue, making it one of the most flexible funding options available for businesses with consistent card or payment processing volume.
Revenue-based financing is a funding solution where repayment is tied directly to your business's incoming revenue. Instead of fixed monthly installments, your payments fluctuate with your sales volume. This structure is ideal for businesses with seasonal or variable income patterns.
A business loan provides a one-time lump sum that you repay over a set term with a fixed payment schedule. A line of credit, on the other hand, gives you access to a pool of funds that you can draw from as needed and only pay for what you use. Lines of credit are ideal for managing cash flow gaps and covering unexpected expenses.
An SBA bridge loan is a short-term funding solution designed to provide capital while you await approval on a longer-term SBA loan. This allows your business to access the funds it needs immediately without pausing operations during the SBA application process. DD Capital can help you secure bridge funding quickly to keep your business moving forward.
The right product depends on your business's revenue patterns, how quickly you need capital, and how you plan to use the funds. Our funding advisors work with you one-on-one to evaluate your situation and recommend the solution that best aligns with your goals. You can apply online or call us directly to start the conversation.
Application & Approval
The Funding Process
Everything you need to know about applying, getting approved, and receiving your capital.
Our application takes approximately five minutes to complete. We ask for basic business and owner information upfront, and our team handles the rest. Most applicants receive an initial funding decision within hours of submitting their application.
In most cases, you will need to provide your last three to six months of business bank statements and a valid government-issued ID. Depending on the funding product and amount, our team may request additional documentation such as a voided check or proof of business ownership.
Our initial application and pre-qualification process involves a soft credit inquiry, which does not affect your credit score. If your application moves forward to final approval, a hard inquiry may be required depending on the product, but our funding advisors will always inform you before that step occurs.
Many of our clients receive funding within 24 to 48 hours of approval. The exact timeline depends on the funding product, the amount requested, and how quickly you provide the required documentation. Our team works diligently to ensure the fastest possible turnaround.
If your application is not approved, our funding advisors will explain the reason and work with you to explore alternative solutions. In many cases, we can suggest a different product that better fits your business's current profile, or advise you on steps to strengthen a future application.
Repayment
Payments & Terms
Details on how repayment works, early payoff options, and what to expect throughout the life of your funding.
Payment structures vary depending on the funding product you receive. Merchant cash advances typically involve automatic daily or weekly remittances based on your sales, while term funding may have fixed daily or weekly payments. Your funding advisor will walk you through the exact repayment terms before you sign any agreement.
Yes, in most cases you can pay off your funding ahead of schedule. Depending on your specific agreement, early repayment may reduce your total cost of capital. Contact your funding advisor to discuss your early payoff options and any applicable terms.
For revenue-based products like merchant cash advances, your payments automatically adjust when your sales decrease. This built-in flexibility is one of the key advantages of our funding solutions. If you experience an extended period of reduced revenue, reach out to our team so we can discuss your options.
No. DD Capital is committed to full transparency. All fees, rates, and terms are clearly disclosed in your funding agreement before you sign. Our funding advisors review every detail with you so there are no surprises. We believe trust is earned through honesty, not fine print.
Many of our clients return for additional funding as their businesses grow. Once you have established a track record of consistent repayment, you may qualify for higher funding amounts or improved terms. Our funding advisors proactively reach out to existing clients who may be eligible for a renewal or additional capital.
Still Have Questions?
Our funding advisors are ready to help. Reach out today and get the answers you need to move your business forward.