Questions,
answered plainly

No. Tovah is the platform. We connect to your accounts, underwrite your business, and present offers from our lending partners. The partner funds; your relationship and your file stay with Tovah.

Connecting accounts takes about two minutes. Most decisions come back the same day. Approved deals typically fund within hours of signing.

Most US banks and credit unions, through a secure, read-only connection.

Connect all of them. A more complete picture usually means a stronger file.

Typically 6+ months in business, $10K+ in monthly revenue, and a business bank account we can connect to. Terms vary by product and partner.

$10,000 to $5,000,000, depending on revenue, product, and partner.

Most partners look for 6+ months in business. Newer businesses can still connect to see what fits.

Yes, with a business bank account and typical revenue and time-in-business minimums.

Tovah works with businesses across the US. Some products and partners are limited by state; your offer reflects what's available to you.

Terms are priced on your actual revenue and shown in plain numbers before you sign: total payback, payment schedule, and effective cost. See our rates page for how pricing works.

Funds are for business purposes. Some offers are tied to a stated use, like equipment.

Yes. Your advisor can show you other structures your file supports.

Depends on the product. Term loans can be prepaid. Some advances offer a discount for early payoff. It's stated in your offer.

Call us before it happens if you can. Your advisor will walk you through the options your agreement allows.

No. Seeing your terms requires no hard credit pull. A partner may run a hard inquiry only after you accept an offer, and we tell you first.

Never. Your file is underwritten by Tovah and shown only to the partner that funds it. No lead lists, no broker calls, no resale.

Nothing leaves Tovah. Your file isn't shared with any partner unless you accept their offer. You can disconnect your bank and ask us to delete your data at any time.

Disconnect your bank from your dashboard and email support@tovah.com. We'll confirm when your data is deleted, subject to records we're legally required to keep.

Once a meaningful share of your balance is paid down, you can request a renewal from your dashboard without a new application.

Apply at /partners/apply. A partner manager will reach out within one business day.

Never. Referred clients are tagged to you.

No. Tovah and its partners hold the licenses and carry compliance.

Hosted flow: 2–4 weeks. API: 6–10 weeks depending on scope.