FAQs

With Tento, it’s never been easier to access capital. We want to help you solve your short and medium-term capital needs, so you can keep building a successful, thriving business in the long-term. That’s why we reward healthy businesses with savings and lower APRs. We offer both working capital and equipment financing based on the health of your business.

Tento is here to help businesses of all sizes and needs. When reviewing your business, our goal is to help get you the best possible offer. The best way to see what Tento can do for your business is to go through our simple application. There's no cost to apply, no obligation to use your offer once approved and no impact to your credit score.

There are no hard credit checks, lengthy paperwork, or required personal financial statements. All you have to do is connect your bank information using Plaid or provide 4 months of bank statements through our secure portal, tell us a few details about yourself and your business and you’ll receive applicable offers within hours.

It’s never been harder for business owners to succeed. We know that because we’ve been there, too. Collectively, we’ve spent decades working intimately with business owners. We’re in it for the long haul and want to offer you the best possible products to succeed and mature into a thriving business. The hope is that you’ll grow. And then outgrow us.

We take a holistic view of your business using your bank data, reviewing the overall health of your business and historical performance. Other factors we consider when reviewing bank data are average daily balance, total credits, total debits, competitor balances and exposure among others. When you connect your bank data, we will quickly generate your initial offer details.

The cost of working capital or equipment financing from Tento is based on three primary factors: industry, revenue and the health of your business. Over time, as your company grows, we can offer even better rates. The easiest way to get your exact cost of capital is to go through our seamless application —it takes just a few minutes and is commitment-free.

We take a holistic view of your business using your bank data, reviewing the overall health of your business and historical performance. Other factors we consider when reviewing bank data are average daily balance, total credits, total debits, competitor balances and exposure among others. When you connect your bank data, we will quickly generate your initial offer details.

No! It costs nothing to join Tento and there is absolutely no obligation to accept an offer. Applying takes just a few minutes. Securely connect your bank, upload your ID and enter a few personal details to find out how much capital you can access.

The short and long answer is: all kinds of equipment! We don’t limit it by industry or size.

A more complete picture of your business will result in better offers and more capital available for your business. Tento assesses your risk level based on secure live data connections. More complete data connections typically mean better ratings and more capital available for your business.

The cost of capital – or the fee to use Tento – is shown in a number called Total Interest Percentage, which is the total amount of interest you pay as a percentage of your loan amount. For example, if you accept $10,000 in capital with 8% Total Interest Percentage, you will pay $800 in interest and your total payback amount will be $10,800. Tento is to be easy-to-use and radically transparent, so you know exactly what to expect. No surprises.

No, we’re here to help you build better business credit. The goal is that by using our products, our financing will enhance your credit history with positive payment history.

A decision on your financing request typically takes a few hours from the time you submit your application. In some instances it could take 1-2 business days.

Once approved and we receive your signed documentation, your business will typically receive funding within 1 to 2 business days. We know your business needs funding now - not later.

Yes! We take our privacy policy very seriously. To learn more about how we store your information securely, you can read our privacy policy here.