// FastFund — product catalog + detail content. One source of truth for the // product pages. Lite entries (name/icon/blurb/terms) power related-product // cards; the four detailed entries add hero/snapshot/steps/eligibility/faqs. window.CF_PRODUCTS = { 'term-loans': { name: 'Term Loans', icon: 'trending-up', blurb: 'A lump sum repaid plus interest over a set period of time.', terms: ['Up to $15M', 'Terms to 25 yr', 'Unsecured or asset-backed'], badge: 'Secured or unsecured', badgeIcon: 'trending-up', headline: 'Term loans that fund your next big move', sub: 'A lump sum up front with fixed monthly payments — up to $15M over terms as long as 25 years. Go unsecured, or back the loan with business assets for larger amounts and better rates. Ideal for expansion, acquisition, or any major investment.', snapshot: 'Term loan snapshot', stats: [ { value: '$15', unit: 'M', label: 'Up to' }, { value: '25', unit: 'yr', label: 'Terms to' }, { value: '—', unit: '', label: 'Secured or unsecured' }, { value: '24', unit: 'hr', label: 'Approvals in' }, ], steps: [ { icon: 'file-pen', t: 'Apply in minutes', b: 'Tell us about your business and how much you need. Soft pull — no credit impact.' }, { icon: 'users', t: 'Match with a manager', b: 'A dedicated manager reviews your file and shops our lender marketplace.' }, { icon: 'badge-check', t: 'Compare offers', b: 'Review fixed-payment offers side by side and pick the most cost-effective.' }, { icon: 'banknote', t: 'Get funded', b: 'Funds can hit your account the same day you agree to terms.' }, ], eligibility: ['For-profit U.S. business', '1+ year in operation', '$15K+ monthly revenue', '600+ personal credit (flexible)', 'Business bank account', 'Clear use of funds'], faqs: [ { q: 'How fast can I get a term loan?', a: 'Pre-qualification is same-day and funds can arrive within 24–48 hours of agreeing to terms, depending on the lender and loan size.' }, { q: 'Do I need collateral?', a: 'Not necessarily. Term loans can be unsecured, or backed by business assets — securing the loan with collateral typically unlocks larger amounts (up to $15M) and better rates.' }, { q: 'Are the payments fixed?', a: 'Yes — fixed monthly payments over a term of up to 25 years, so budgeting is straightforward.' }, { q: 'Will applying hurt my credit?', a: 'No. Checking your options is a soft inquiry and never affects your credit score.' }, ], related: ['lines-of-credit', 'sba', 'equipment'], }, 'lines-of-credit': { name: 'Lines of Credit', icon: 'wallet', blurb: 'Draw only what you need and pay interest only on what you use.', terms: ['Up to $1.5M', '6 mo – 3 yr terms', 'Rates from 1% / mo'], badge: 'Draw as you go', badgeIcon: 'wallet', headline: "A credit line that's there when you need it", sub: 'Flexible, revolving capital for the ups and downs of running a business — up to $1.5M with rates as low as 1% per month. Draw only what you need, pay only for what you use, and your credit replenishes as you repay.', snapshot: 'Line of credit snapshot', stats: [ { value: '$1.5', unit: 'M', label: 'Up to' }, { value: '3', unit: 'yr', label: 'Terms to' }, { value: '1', unit: '%', label: 'Rates from / mo' }, { value: '↺', unit: '', label: 'Reusable' }, ], steps: [ { icon: 'file-pen', t: 'Apply in minutes', b: 'Share basic business details. Soft pull — no credit impact to check.' }, { icon: 'users', t: 'Get your limit', b: 'We match you with a revolving line sized to your revenue and history.' }, { icon: 'mouse-pointer-click', t: 'Draw anytime', b: 'Pull funds on demand from your dashboard — only pay for what you use.' }, { icon: 'refresh-cw', t: 'Repay & reuse', b: 'As you repay, your available credit replenishes for the next need.' }, ], eligibility: ['For-profit U.S. business', '6+ months in operation', '$10K+ monthly revenue', '600+ personal credit (flexible)', 'Business bank account', 'No open bankruptcies'], faqs: [ { q: 'Do I pay interest on the full line?', a: 'No — you only pay interest on the amount you actually draw. Undrawn credit costs you nothing.' }, { q: 'Can I reuse it?', a: 'Yes. A line of credit is revolving — as you repay what you drew, that credit becomes available again.' }, { q: 'How quickly can I draw funds?', a: 'Once your line is open, draws are typically available same-day right from your FastFund dashboard.' }, ], related: ['term-loans', 'rbf', 'invoice-factoring'], }, 'invoice-factoring': { name: 'Invoice Factoring', icon: 'file-text', blurb: 'Sell unpaid invoices for an immediate cash advance.', terms: ['No collateral', 'Up to 90% upfront', 'Easy application'], badge: 'No new debt', badgeIcon: 'file-text', headline: 'Turn unpaid invoices into working capital', sub: "Stop waiting 30, 60, or 90 days to get paid. Sell your outstanding invoices for an immediate cash advance — get up to 90% upfront and keep your cash flow moving.", snapshot: 'Factoring snapshot', stats: [ { value: '90', unit: '%', label: 'Up to, upfront' }, { value: '24', unit: 'hr', label: 'Funding in' }, { value: '0', unit: '', label: 'No collateral' }, { value: '90', unit: 'd', label: 'Stop waiting' }, ], steps: [ { icon: 'file-pen', t: 'Submit invoices', b: 'Upload the invoices you want to factor and a few business details.' }, { icon: 'search-check', t: 'Quick verification', b: 'We verify the invoices and your customers — your credit is not the focus.' }, { icon: 'banknote', t: 'Get up to 90% upfront', b: 'Receive the bulk of each invoice as an immediate cash advance.' }, { icon: 'circle-check-big', t: 'We collect, you net the rest', b: 'When your customer pays, you receive the remainder minus a small fee.' }, ], eligibility: ['For-profit U.S. business (B2B)', 'Invoices to creditworthy customers', 'Net-30/60/90 invoicing', 'No major tax liens', 'Business bank account', 'Startups welcome'], faqs: [ { q: 'Is factoring a loan?', a: "No — you're selling an asset (your invoices) for immediate cash, so it doesn't add debt to your balance sheet." }, { q: 'Whose credit matters?', a: "Primarily your customers' creditworthiness, since they're the ones paying the invoice — which makes factoring accessible to newer businesses." }, { q: 'How much do I get upfront?', a: 'Up to 90% of the invoice value immediately, with the remainder (minus a small factoring fee) paid when your customer settles.' }, ], related: ['lines-of-credit', 'rbf', 'ecommerce'], }, 'real-estate': { name: 'Real Estate Financing', icon: 'building-2', blurb: 'Acquire, refinance, or develop commercial property.', terms: ['Up to $25M', 'Up to 30 yr', 'Competitive rates'], badge: 'For property', badgeIcon: 'building-2', headline: 'Financing to acquire, refinance, or build', sub: 'Commercial real estate capital for purchase, refinance, or ground-up development — with competitive rates and long repayment terms tailored to the deal.', snapshot: 'Real estate snapshot', stats: [ { value: '$25', unit: 'M', label: 'Up to' }, { value: '30', unit: 'yr', label: 'Terms to' }, { value: '75', unit: '%', label: 'LTV up to' }, { value: 'P+', unit: '', label: 'Competitive rates' }, ], steps: [ { icon: 'file-pen', t: 'Tell us the deal', b: 'Share the property, purpose (buy / refi / build), and the numbers.' }, { icon: 'users', t: 'Match with a lender', b: 'We route your scenario to lenders that specialize in your property type.' }, { icon: 'badge-check', t: 'Structure & approve', b: 'We help structure terms that fit the asset and your timeline.' }, { icon: 'key-round', t: 'Close & fund', b: 'Move forward on your acquisition, refinance, or development.' }, ], eligibility: ['For-profit U.S. business or investor', 'Commercial or mixed-use property', 'Reasonable LTV / equity', '640+ personal credit', 'Documented income / NOI', 'Property in good standing'], faqs: [ { q: 'What property types qualify?', a: 'Office, retail, industrial, multifamily, mixed-use, and more — for purchase, refinance, or ground-up construction.' }, { q: 'How much can I borrow?', a: 'Up to $25M depending on the asset and LTV, typically up to ~75% loan-to-value with terms as long as 30 years.' }, { q: 'Can you finance development?', a: 'Yes — we work with lenders that fund ground-up development and value-add projects, not just stabilized purchases.' }, ], related: ['sba', 'heloc', 'equipment'], }, 'contractor': { name: 'Independent Contractor Financing', icon: 'hard-hat', blurb: 'Funding built for 1099 contractors and the self-employed.', terms: ['Up to $20K', 'Terms to 12 mo', 'Fixed daily or weekly'], badge: 'For 1099s', badgeIcon: 'hard-hat', headline: 'Funding built for independent contractors', sub: 'Capital designed for 1099 contractors and the self-employed — up to $20K over terms to 12 months, with fixed daily or weekly repayment that fits how you actually get paid.', snapshot: 'Contractor snapshot', stats: [ { value: '$20', unit: 'K', label: 'Up to' }, { value: '12', unit: 'mo', label: 'Terms to' }, { value: '24', unit: 'hr', label: 'Approvals in' }, { value: '1099', unit: '', label: 'Built for' }, ], steps: [ { icon: 'file-pen', t: 'Apply in minutes', b: 'Tell us about your work and income. Soft pull — no credit impact.' }, { icon: 'receipt', t: 'Show your income', b: 'Connect bank deposits or share 1099s — we work with flexible documentation.' }, { icon: 'badge-check', t: 'Get approved', b: 'We match you to funding sized for self-employed cash flow.' }, { icon: 'banknote', t: 'Receive funds', b: 'Capital lands fast so you can take on the next job or smooth a slow stretch.' }, ], eligibility: ['U.S.-based 1099 / self-employed', '6+ months of earnings history', 'Consistent deposits', '600+ personal credit (flexible)', 'Business or personal bank account', 'Documented income'], faqs: [ { q: 'I don\u2019t have business tax returns — can I qualify?', a: 'Often yes. We work with flexible documentation like bank-deposit history and 1099s, not just full business tax returns.' }, { q: 'What can I use the funds for?', a: 'Equipment, tools, vehicles, working capital, or bridging the gap between jobs — whatever keeps your business moving.' }, { q: 'Will applying hurt my credit?', a: 'No. Checking your options is a soft inquiry and never affects your credit score.' }, ], related: ['lines-of-credit', 'rbf', 'equipment'], }, 'ecommerce': { name: 'Ecommerce Funding', icon: 'shopping-cart', blurb: "Capital for online sellers, tied to your store's performance.", terms: ['Up to $20M', 'Terms to 12 mo', 'Weekly/monthly or % of sales'], badge: 'For online sellers', badgeIcon: 'shopping-cart', headline: 'Growth capital for online sellers', sub: "Funding tied to your store's performance — up to $20M over terms to 12 months, repaid weekly, monthly, or as a percentage of sales. Connect Shopify, Amazon, and the tools you already run on.", snapshot: 'Ecommerce snapshot', stats: [ { value: '$20', unit: 'M', label: 'Up to' }, { value: '12', unit: 'mo', label: 'Terms to' }, { value: '%', unit: 'or fixed', label: 'Repay from sales' }, { value: '⇄', unit: '', label: 'Platform-linked' }, ], steps: [ { icon: 'plug', t: 'Connect your store', b: 'Securely link Shopify, Amazon, your processor, or accounting platform.' }, { icon: 'gauge', t: 'Instant performance read', b: 'We assess real sales data to size an offer that fits your store.' }, { icon: 'badge-check', t: 'Accept your offer', b: 'Choose your amount and a repayment that flexes with revenue.' }, { icon: 'banknote', t: 'Funds in days', b: 'Invest in inventory or ads now; repay automatically as you sell.' }, ], eligibility: ['U.S.-based online seller', '6+ months selling history', '$10K+ monthly online sales', 'Connected store / processor', 'Consistent sales volume', 'Business bank account'], faqs: [ { q: 'Which platforms do you support?', a: 'Major ecommerce and payment platforms including Shopify, Amazon, WooCommerce, Stripe, PayPal, and more.' }, { q: 'How is repayment structured?', a: 'Your choice — fixed weekly or monthly payments, or a flexible percentage of sales so you repay more in busy months and less when sales slow. Terms run up to 12 months.' }, { q: 'How fast is funding?', a: 'Because we read live store data, pre-qualification is fast and funds can arrive within days of accepting an offer.' }, ], related: ['rbf', 'invoice-factoring', 'lines-of-credit'], }, // ---------- Detailed products ---------- 'sba': { name: 'SBA Loans', icon: 'landmark', blurb: 'Government-backed, low-interest loans with very favorable terms.', terms: ['Up to $10M', 'Terms to 30 yr', 'Funding in ~1 week'], badge: 'Government-backed', badgeIcon: 'landmark', headline: 'SBA loans with the lowest cost of capital', sub: 'The most favorable terms available to small businesses — up to $10M, repayment windows to 30 years, and rates tied to WSJ Prime. Across 7(a), 504, Express, and USDA programs, we do the heavy lifting with SBA-preferred lenders.', snapshot: 'SBA snapshot', stats: [ { value: '$10', unit: 'M', label: 'Up to' }, { value: '30', unit: 'yr', label: 'Terms to' }, { value: '1', unit: 'wk', label: 'As fast as' }, { value: 'P+', unit: '1–3%', label: 'WSJ Prime' }, ], steps: [ { icon: 'file-pen', t: 'Apply in minutes', b: 'Tell us about your business and how much you need. Soft pull — no credit impact.' }, { icon: 'users', t: 'Match with a specialist', b: 'A dedicated SBA specialist reviews your file and builds your document checklist.' }, { icon: 'badge-check', t: 'Get approved', b: 'We package and submit to the right SBA-preferred lenders for the strongest terms.' }, { icon: 'banknote', t: 'Receive funds', b: 'Close and draw your capital — then graduate to even lower-cost products over time.' }, ], eligibility: ['For-profit U.S. business', '2+ years in operation (exceptions apply)', '$10K+ average monthly revenue', '640+ personal credit (flexible)', 'No recent bankruptcies', 'Sound use of funds'], faqs: [ { q: 'How fast is SBA funding?', a: 'FastFund can fund SBA loans as fast as one week. A standard SBA closing more typically takes one to two months depending on the program and documentation — we keep it moving with a dedicated specialist and a clear checklist.' }, { q: 'SBA 7(a) — minimum requirements', a: 'Our most flexible program. Generally 2+ years in business, 640+ credit, and a for-profit U.S. business with a sound use of funds. Up to $5M for working capital, equipment, real estate, refinancing, or acquisition.' }, { q: 'SBA 504 — minimum requirements', a: 'For owner-occupied real estate and major equipment. Typically 51%+ owner-occupancy, ~10% down, 680+ credit, and net worth under $20M / net income under $6.5M. Long fixed-rate terms up to 25–30 years.' }, { q: 'SBA Express — minimum requirements', a: 'A faster-turnaround option up to $500K (loan or line of credit) with lighter documentation — generally 2+ years in business and 650+ credit, with accelerated SBA review.' }, { q: 'USDA B&I — minimum requirements', a: 'For businesses in eligible rural areas (towns under ~50,000 people). Larger projects up to $25M, roughly 20% equity injection, and solid collateral; location eligibility is the key requirement.' }, { q: 'What can an SBA loan be used for?', a: 'Working capital, equipment, real estate, refinancing higher-cost debt, and business acquisitions — almost any legitimate business purpose.' }, ], related: ['lines-of-credit', 'rbf', 'real-estate'], }, 'rbf': { name: 'Revenue-Based Financing', icon: 'percent', blurb: 'Repay as a percentage of sales — flexible with your cash flow.', terms: ['$5K – $10M', '6 mo – 4 yr terms', 'Fixed schedule or % of sales'], badge: 'Flexible repayment', badgeIcon: 'percent', headline: 'Funding that flexes with your revenue', sub: 'From $5K to $10M over terms of 6 months to 4 years — repaid on a fixed daily, weekly, bi-weekly, or monthly schedule, or as a percentage of your sales. More when business is busy, less when it slows.', snapshot: 'Revenue-based snapshot', stats: [ { value: '$10', unit: 'M', label: 'From $5K, up to' }, { value: '4', unit: 'yr', label: 'Terms to' }, { value: '24', unit: 'hr', label: 'Approvals in' }, { value: '%', unit: 'or fixed', label: 'Repay from sales' }, ], steps: [ { icon: 'file-pen', t: 'Apply in minutes', b: 'Share basic business details and connect your sales data. Soft pull only.' }, { icon: 'gauge', t: 'Get an instant read', b: 'We assess real-time revenue to size an offer that fits your cash flow.' }, { icon: 'badge-check', t: 'Accept your offer', b: 'Choose your advance and the percentage of sales you repay.' }, { icon: 'banknote', t: 'Funds in days', b: 'Capital lands fast — repayment auto-adjusts with your daily or weekly sales.' }, ], eligibility: ['For-profit U.S. business', '6+ months in operation', '$15K+ monthly revenue', 'Consistent sales volume', 'Business bank account', 'No open bankruptcies'], faqs: [ { q: 'How does repayment work?', a: 'Your choice: a fixed daily, weekly, bi-weekly, or monthly payment, or a set percentage of sales that rises and falls with your revenue. Terms run from 6 months to 4 years.' }, { q: 'What do I need to connect?', a: 'Typically your business bank account and/or payment-processor data so we can verify revenue and size the right offer quickly.' }, { q: 'Is there a prepayment penalty?', a: 'No. You can satisfy the balance early without extra fees — and graduate to lower-cost products as you grow.' }, ], related: ['lines-of-credit', 'ecommerce', 'invoice-factoring'], }, 'equipment': { name: 'Equipment Financing', icon: 'forklift', blurb: 'Buy or lease equipment — the equipment itself is the collateral.', terms: ['Up to 100% of value', 'Terms to 7 yr', 'APR from 6%'], badge: 'Self-collateralizing', badgeIcon: 'forklift', headline: 'Get the equipment now, pay as it earns', sub: 'Finance or lease the machinery, vehicles, and technology your business runs on — up to 100% of the equipment value, terms to 7 years, APRs from 6%. The equipment secures the loan, so approvals are fast and rates stay low.', snapshot: 'Equipment snapshot', stats: [ { value: '100', unit: '%', label: 'Of equipment value' }, { value: '7', unit: 'yr', label: 'Terms to' }, { value: '6', unit: '%', label: 'APR from' }, { value: '24', unit: 'hr', label: 'Approvals in' }, ], steps: [ { icon: 'file-pen', t: 'Tell us what you need', b: 'Share the equipment quote or invoice and a few business details.' }, { icon: 'users', t: 'Match with a lender', b: 'We route you to lenders that specialize in your equipment type.' }, { icon: 'badge-check', t: 'Get approved fast', b: 'Because the equipment is the collateral, decisions are often same-day.' }, { icon: 'truck', t: 'Acquire & operate', b: 'Vendor gets paid, you put the equipment to work and pay as it earns.' }, ], eligibility: ['For-profit U.S. business', '1+ year in operation (startups considered)', '$10K+ monthly revenue', '600+ personal credit (flexible)', 'Equipment quote or invoice', 'New or used equipment'], faqs: [ { q: 'New or used equipment?', a: 'Both. We finance new and used equipment across construction, transportation, medical, restaurant, manufacturing, and more.' }, { q: 'Finance or lease?', a: 'Either. We can structure a loan to own outright or a lease with flexible end-of-term options — your specialist will walk through both.' }, { q: 'How much can I finance?', a: 'Up to 100% of the equipment value, often including soft costs like delivery and installation, with terms up to 7 years and APRs from 6%.' }, ], related: ['term-loans', 'lines-of-credit', 'real-estate'], }, 'heloc': { name: 'HELOC', icon: 'house', blurb: "Tap your home's equity for flexible, low-cost business capital.", terms: ['Up to $750K', '10 – 30 yr terms', 'Rates from 5.99%'], badge: 'Lowest-cost option', badgeIcon: 'house', headline: 'Put your home equity to work for your business', sub: "A home equity line of credit unlocks some of the lowest rates available — up to $750K, rates from 5.99%, and terms from 10 to 30 years. A flexible source of capital you draw from as you need it.", snapshot: 'HELOC snapshot', stats: [ { value: '$750', unit: 'K', label: 'Up to' }, { value: '30', unit: 'yr', label: 'Terms to' }, { value: '5.99', unit: '%', label: 'Rates from' }, { value: '↺', unit: '', label: 'Revolving draw' }, ], steps: [ { icon: 'file-pen', t: 'Apply in minutes', b: 'Tell us about your property and equity. Soft pull — no credit impact.' }, { icon: 'home', t: 'Verify your equity', b: 'A quick valuation confirms how much of your equity you can access.' }, { icon: 'badge-check', t: 'Get your line', b: 'Approved for a revolving credit line secured by your home equity.' }, { icon: 'banknote', t: 'Draw as needed', b: 'Pull funds when you need them and pay interest only on what you draw.' }, ], eligibility: ['U.S. homeowner with equity', 'Primary or investment property', '640+ personal credit', 'Manageable existing mortgage', 'Documented income', 'Property in good standing'], faqs: [ { q: 'Is my home at risk?', a: 'A HELOC is secured by your home, so it carries real responsibility. We make the terms fully transparent and only recommend it when it genuinely fits your situation.' }, { q: 'How much can I access?', a: 'Up to $750K, based on your available home equity (your home value minus what you owe). Rates start at 5.99% with terms from 10 to 30 years — your specialist will calculate your line.' }, { q: 'Can I use it for any business purpose?', a: 'Yes. A HELOC gives you flexible capital for working capital, expansion, equipment, or bridging timing gaps.' }, ], related: ['lines-of-credit', 'real-estate', 'term-loans'], }, };