Working with TCS
Is TCS a direct lender?
No, TCS is a Texas-based business loan brokerage. We work with dozens of lenders and match each client to the best available structure.
How much does it cost to work with TCS?
Our initial consultation and loan matching is free. The funding lender pays our brokerage fee at close, you only pay when you successfully fund.
Will applying hurt my credit?
Initial pre-qualification uses a soft pull only. A hard pull occurs only when you accept a final offer.
Where do you operate?
TCS is based in Austin and focused on Texas SMEs. Our lender network can fund qualified Texas borrowers across the U.S.
Eligibility and qualifications
Do I need perfect credit?
No. We work with a wide range of credit profiles. Different programs accept scores from 500 (alternative, MCA) to 680+ (SBA, CRE).
Can a startup qualify?
Yes, for some products. SBA 7(a) supports startups with strong plans, and equipment, alternative, and MCA programs accept newer businesses.
Do I need collateral?
It depends on the product. Working capital, MCA, and most alternative loans are unsecured. SBA, CRE, equipment, ABL, and bridge loans typically require collateral.
What if I have existing business debt?
Existing debt is fine and even helpful (it shows repayment history). Multiple recent advances can complicate things, talk to us before stacking.
Process and timing
How fast can I be funded?
MCA and working capital can fund in 24 to 72 hours. Equipment and lines of credit run 3 to 10 days. SBA and CRE typically take 30 to 90 days.
What documents do I need?
At minimum, recent business bank statements and ID. Larger programs add tax returns, financial statements, and collateral docs. See our application checklist.
Can I prepay early?
Most term loans allow prepayment. Some short-term advances charge full interest regardless of early payoff. We surface this before you sign.
Costs and rates
What rates can I expect?
Rates vary by product: SBA and CRE in the high single digits, equipment 6 to 18%, working capital 9 to 30%, MCA equivalent APRs of 30%+. Your offer depends on your profile.
Are there hidden fees?
No. We disclose origination, doc, and any other fees in writing before you sign. If a lender's offer includes a fee we did not flag, we will not present it.