Part 1The funding range and revenue minimum conflict with other site facts
“Minimum and maximum funding amount.” “Minimum monthly deposits or revenue.” “Every provider-specific number and policy is verified.”
I used the MCA-specific figures because they appear to apply to this product. Greenbox Capital should confirm that both can be published without qualification.
Part 2Credit checks, application fees and application length were not provided
“Application length and information requested.” “Soft- and hard-credit-pull policy.” “Whether there is any cost or obligation to apply.”
I used “takes minutes,” but no verified application time was supplied. I left placeholders for:
{{INITIAL_CREDIT_PULL_POLICY}}{{HARD_PULL_POLICY}}{{APPLICATION_FEE_POLICY}}
The brief says applying creates no obligation, so I used that language. It still needs confirmation as an actual Greenbox Capital policy. We need the exact soft-pull and hard-pull stages, application fee policy and typical form completion time.
Part 3The fee structure is incomplete and partly unclear
“Origination, underwriting, ACH, processing or servicing fees.” “Whether fees are deducted before funds are deposited.”
The supplied fee is described as “at least $349 or 4% of the funding amount.” It is unclear whether this means the greater of $349 and 4%, or whether one of the two applies based on the offer.
I showed both known charges and made the net-proceeds example conditional. I left these placeholders:
{{FEE_DEDUCTION_POLICY}}{{OTHER_FEE_POLICY}}
We need a complete US fee schedule, how the setup fee is chosen, whether each fee is deducted from proceeds or added elsewhere, and confirmation of any underwriting, origination, ACH, processing or servicing fees.
Part 4Early-payment and renewal terms were missing
“Early-payment discount and penalty policy.” “Renewal threshold and how an outstanding balance is handled.”
The material only says early-payoff discounts are available. It does not give the discount, deadline, penalty policy or renewal threshold.
I explained the general effect and left:
{{PREPAYMENT_PENALTY_POLICY}}{{RENEWAL_THRESHOLD}}
We need the discount schedule, eligibility window, any penalty, renewal eligibility point and exact treatment of the remaining purchased amount.
Part 5Holdback, collection and reconciliation policies were missing
“Typical holdback range.” “Reconciliation process when sales fall.” “Typical payment-to-deposit limit used in underwriting.” “State our normal range and whether collection happens through a processor split or lockbox.”
I left placeholders for:
{{HOLDBACK_RANGE}}{{RECONCILIATION_DOCUMENTS_AND_REVIEW_POLICY}}{{MAXIMUM_PAYMENT_TO_DEPOSITS_PERCENTAGE}}
The draft also says funds “may be collected through a processor split, lockbox or ACH.” Those methods came from the brief, not from verified Greenbox Capital facts.
We need the normal holdback range, actual collection routes, documents required for reconciliation, review frequency, adjustment timing and maximum payment-to-deposit ratio.
Part 6Some qualification policies were unavailable or inferred
“Bankruptcy status.” “Industries funded and any restricted industries.” “Treatment of existing advances and tax liens.”
No exact bankruptcy, restricted-industry, tax-lien or existing-advance rules were supplied.
I wrote that open bankruptcy may prevent approval, tax liens are reviewed case by case and existing advances are reviewed rather than automatically accepted. Those are reasonable industry treatments, but they are not confirmed Greenbox Capital policies. Second-position terms support the idea that some existing advances can be accepted, but not the exact rules.
We need the bankruptcy waiting period or exclusion, restricted-industry list, tax-lien rules, maximum number of existing positions and any consolidation policy.
Part 7The “not required” qualification list needs confirmation
“Then state what is not generally required, based on our real policy: collateral, tax returns, a business plan or perfect credit.”
Only the lack of collateral and acceptance of lower credit scores were confirmed. I also listed a long business plan, real estate and tax returns “in every case” as generally unnecessary.
We need confirmation that business plans and tax returns are not standard requirements, plus any cases where tax returns are requested.
Part 8The full document list was not supplied
“List the exact number of business bank statements, processor statements where relevant, government identification, voided check or account details, EIN and business information.”
Three months of bank statements or secure transaction access were confirmed. The remaining document list was not.
I included processor statements, government ID, EIN, legal business details, a voided check and existing-finance records because the brief called for them and they are standard underwriting documents. They need confirmation as Greenbox Capital requirements.
Part 9Credit reporting after application was not provided
“Application: soft pull and when, if ever, a hard pull occurs.” “Repayment: whether routine remittances are reported and whether the MCA builds credit.” “Default: how collections or a judgment may affect business or personal credit.”
I left the application and routine-reporting policies as placeholders:
{{INITIAL_CREDIT_PULL_POLICY}}{{HARD_PULL_POLICY}}{{ROUTINE_CREDIT_REPORTING_POLICY}}
The default statement is a general possibility rather than a confirmed reporting policy. We need the bureaus used, pull type at each stage, routine reporting policy and default reporting process.
Part 10Non-card businesses conflict with the supplied eligibility facts
“Include seasonal businesses and both card-heavy and non-card businesses.”
The client facts say applicants must accept debit and credit card payments. That conflicts with the request to include non-card businesses.
I kept card acceptance as a requirement and only described fixed ACH for businesses whose revenue is not primarily card-based. I did not say a business with no card acceptance could qualify. We need confirmation of whether true non-card businesses are eligible for this MCA or should be directed to another product.
The draft mentions seasonal uses, but not seasonal businesses directly. That can be added once their eligibility treatment is confirmed.
Part 11The APR example depends on an unconfirmed calculation method
“The worked example, APR calculation and calculator agree.”
I used a $50,000 advance, 1.30 factor rate, $65,000 purchased amount and 130 business-day schedule. The “roughly 107%” annualized figure is based on the payment cash flows before fees.
No approved APR or estimated-APR method was supplied. If fees are deducted before deposit, the annualized cost will be higher because the business receives less than $50,000 in cash. The calculator also excludes fees until they are entered separately.
We need the approved annualization method, business-days-per-year assumption and fee treatment before this figure can be treated as final.
Part 12Contract protections and restrictions were missing
“Personal-guarantee policy.” “UCC lien policy.” “Confirmation that we do not use confessions of judgment.” “Restrictions on taking additional financing.” “What happens after missed remittances.”
I left placeholders for:
{{PERSONAL_GUARANTEE_POLICY}}{{UCC_LIEN_POLICY}}{{CONFESSION_OF_JUDGMENT_POLICY}}
The draft gives general warnings about guarantees, UCC claims and judgments, but it cannot explain Greenbox Capital’s actual agreement without these policies. We also need the restrictions on additional funding, cure process after missed remittances and any default or collection fees.
The UCC policy is especially important because the page also says no conventional collateral is required. Those two points need to be explained together without implying that “no collateral” means “no lien.”
Part 13Direct-funder and upfront-payment claims need confirmation
“Direct-funder status and required disclosures.” “No fee demanded before funding.” “Clear disclosure of direct-funder or broker status.”
I stated that Greenbox Capital funds directly because the supplied materials describe Greenbox Capital as the funding provider. However, direct-funder status was listed by the brief as a fact to confirm and was not stated expressly.
We need confirmation of direct-funder status, whether any applications are brokered or syndicated, whether broker compensation can apply, and whether any charge is ever collected before funding.
Part 14Hardship and refinancing policies were not provided
“Availability of pauses, restructuring, consolidation or refinancing.” “Explain reconciliation, any temporary adjustment or pause, restructuring and consolidation or refinancing options we genuinely provide.”
I left:
{{HARDSHIP_ADJUSTMENT_PAUSE_AND_RESTRUCTURING_POLICY}}
The draft advises early contact and says actual sales and the agreement will be reviewed. It does not promise a pause or restructure because no such policy was supplied.
We need the hardship contact process, available temporary adjustments, pause rules, restructuring options, consolidation policy and any refinance products Greenbox Capital offers.
Part 15Alternative products and links were not identified
“Which alternative products we offer directly.” “Link to our own relevant products.”
I included a neutral comparison table, but the supplied material did not identify which alternatives Greenbox Capital provides directly. I left:
{{TERM_LOAN_URL}}{{LINE_OF_CREDIT_URL}}
We need the actual product list, product names, URLs and qualification differences. Without that, the page can recommend a cheaper product but cannot reliably route the reader to Greenbox Capital’s version of it.
Part 16Legal and regulatory statements need compliance review
“Any legal or regulatory statements should receive compliance review before publication.” “Include the current limitation on using SBA loans to refinance MCA debt, following compliance review.”
I included general statements about MCAs being purchases of receivables, not conventional loans; loan interest-rate caps; state commercial-financing disclosures; confession-of-judgment restrictions; and SBA refinancing.
No compliance review or approved wording was provided. These passages must be reviewed, especially the statement that an SBA loan generally cannot refinance an MCA and the broad description of federal regulation.
Part 17Reviews and customer proof were unavailable
“Review platform, rating and review count.” “Approved customer quotations.”
I left placeholders for the platform, rating, count, quotations and review URL:
{{REVIEW_PLATFORM_RATING}}{{REVIEW_COUNT}}{{REVIEW_PLATFORM}}{{VERIFIED_RESTAURANT_OWNER_QUOTE_ABOUT_USE_AND_SPEED}}{{VERIFIED_RETAIL_OR_MEDICAL_OWNER_QUOTE_ABOUT_USE_AND_SPEED}}{{INDEPENDENT_REVIEW_PAGE_URL}}
We need approved, verifiable quotations that identify the business type, use of funds and speed of the process.
Part 18Funding-specialist hours were not supplied
“Funding-specialist phone number and hours.” “Show specialist hours.”
The phone number was provided, but business hours were not. I left {{FUNDING_SPECIALIST_HOURS}}.
Part 19The page exceeds the requested length
“Target approximately 2,860 words, with a hard ceiling around 2,900 words.”
The draft materially exceeds the hard ceiling. I prioritized covering every required topic, disclosure and decision tool, but the result needs a compression pass after the missing policies are supplied. The main reductions should come from qualification, cost, contract safety and alternatives—not by removing required disclosures.