Frequently Asked Questions

To be eligible for funding your business should generally meet the following criteria:

• Be incorporated in the United States, Canada, England, or Australia.
• Generate the majority of its revenue in one or more of those countries.
• Have been operating for more than one fiscal year.
• Generate at least US $500,000 ARR in annual revenue, or US$40,000 MRR in monthly recurring revenue (MRR) during the current fiscal year.
• Use a supported accounting platform such as QuickBooks, Xero, MYOB, or Oracle NetSuite
• Be seeking funding to support business growth rather than real assetpurchases (eg. real estate or infrastructure).

Every application is reviewed individually by members of our Investment Committee and you will be given feedback, regardless of a positive or negative outcome

We provide non-dilutive growth capital to revenue-generating businesses across abroad range of industries.

We do not currently finance businesses primarily involved in:

• Cryptocurrency or Web3
• Cannabis
• Real estate or infrastructure development

If you're unsure whether your business qualifies, we'd be happy to review yoursituation.

Yes.
‍
We work with early-stage companies that have moved beyond the pre-revenue phase and meet our eligibility criteria.

To be considered, your business should have been operating for more than one fiscal year, generate revenue that meets our minimum eligibility requirements, and demonstrate a clear use of funds to support future growth

Yes.
‍
Every financing provider has its own due diligence approach and approval criteria.
‍
While some lenders rely heavily on collateral, standardized credit policies, or rigid financial ratios, Pershing Ventures takes a broader view of your business. We evaluate your financial performance, growth trajectory, business model, and intended use of capital to determine whether our financing is the right fit.

A previous decline from another lender does not automatically mean your business won't qualify with us. Every application is reviewed individually by a member of our Investment Committee.

Pershing Ventures provides growth capital ranging from US$50,000 to US$1 million. See if your business qualifies.

Funding amounts are determined after reviewing factors such as revenue history, growth trends, cash flow, gross margins, financial position, and intended use of funds. Every financing solution is tailored to your business.

Non-dilutive growth capital allows businesses to raise funding without giving upownership or issuing new shares.

Instead of selling equity, you receive capital to invest in growth while maintaining full control of your business.

Our financing is repaid through a pre-agreed percentage of your monthly revenue. See a full example on our How It Works page.

As your revenue grows, repayments increase proportionally. If revenue temporarily slows, repayments adjust accordingly, helping align payments with your business performance.

No.

Unlike traditional financing products, our structures do not have a fixed maturity date. Repayment is designed to move with your business rather than against it.

Do I have to give up equity?

No.

Pershing Ventures provides 100% non-dilutive financing, allowing founders and existing shareholders to retain ownership of their company.

No.

No personal guarantees are required to apply for funding.

Traditional collateral is not required to qualify.

Our due diligence focuses primarily on your company's financial performance,operating history, management team and growth potential rather than personal orhard assets.

Yes.

Prepayment is available after a 3-month initial period, with no penalties. In the casethat your business grows faster than expected and your transaction repays quickly, there is certainly no penalty for that (regardless of the amount of time outstanding).

Businesses commonly use our financing to support growth initiatives such as:

• Sales & Marketing
• Channel Development & Customer Acquisition
• Hiring
• Inventory purchases to meet outstanding demand
• Geographic expansion
• Product development
• Acquisitions
• Extending runway
• Bridging to a future equity raise
• Completing an equity round
• Other strategic growth initiatives

Funding must be used to support business growth and value creation.

It cannot be used to refinance, consolidate, or repay existing debt, or to finance real estate or infrastructure development projects.

Most transactions are completed within 2 to 4 weeks, depending on how quickly due diligence information is provided.

The process typically includes:

• Complete the Initial Due Diligence Survey.
• Introductory discussion with our team.
• Secure connection to your accounting software through Verified Metrics.
• Receive indicative terms and funding structure
• Financial and commercial due diligence.
• Submission of any outstanding supporting documents.
• Review by our Investment Committee.
• Receive final deal documents.

Verified Metrics securely connects to your accounting software’s API. This does notgrant any kind of user or “log-in” access to the accounting software itself nor does it allow us to modify, edit or delete any information in your accounting software.

This provides our financial and credit models with the necessary transaction-level financial data necessary to facilitate a comprehensive and accurate review of yourcompany’s financial position without the need to review various sources of data and build models from scratch, which is one of the lengthiest parts of financial duediligence.

We currently support:

• QuickBooks
• Xero
• MYOB
• Oracle NetSuite

These platforms integrate securely with our due diligence process through VerifiedMetrics.

Requirements vary depending on each transaction but typically include:

• Initial Due Diligence Survey
• Company presentation or pitch deck
• Corporate organizational documents
• Secure accounting software connection
• Financial statements and tax returns
• Bank / credit card statements
• Other supporting due diligence documents

Additional information may be requested during the review process based on the specific nature of your company.

No.

Our initial evaluation focuses primarily on your company's financial performance,business model, and growth potential. We do not rely solely on traditional credit scoring to assess an opportunity.

If additional credit checks become necessary later in the process, we will discussthis with you before proceeding.

Not every business is ready for growth capital at every stage of its journey.

Applications may be declined for a variety of reasons, including financial performance, cash flow trends, business maturity, excessive existing liabilities, or an intended use of funds that differs from what we support. Regardless of the outcome, you will receive clear feedback on why the application is not progressing at the moment.

A declined application today doesn't necessarily mean your business won't qualify in the future. Many companies strengthen their financial position over time and successfully re apply when they're better prepared for financing.

Pershing Ventures was built to provide founders with access to flexible growth capital. Unlike many traditional lenders, we don't base our decisions solely on collateral, rigid lending criteria, or standardized credit models. Instead, we combine technology-enabled financial analysis with experienced human due diligence to understand how each business operates and where capital can create the greatest impact. Four things set our financing apart: there is no fixed maturity date or repayment deadline, so repayment moves with your business rather than a clock; our capital is permanent, which lets us evaluate for your long-term value instead of short-term KPIs; every decision goes through human Investment Committee review rather than an automated score; and we stay engaged after funding with quarterly strategic check-ins, not just a one-time transaction. Founders retain ownership of their company, and financing structures are tailored to each business rather than built around a "one-size-fits-all" product. For businesses seeking growth capital, this provides a financing solution that is often more adaptable than conventional lending while remaining focused on a long-term capital partnership rather than short-term funding.

Yes.

Many clients return for additional capital as their businesses grow. As your business evolves, we can review new funding opportunities based on your performance, financing needs, and future growth plans. Our goal is to build long-term relationships by supporting companies through multiple stages of growth. The majority of our customers execute multiple transactions with us over the course ofa multi-year relationship.