Everything people ask before they start.

Become is a free matching service. You tell us what you need once, we rank the partners in our network by how well they fit you, and you choose who to go with - or nobody. We cover three areas: business financing, personal finance, and home services. We have been doing it since 2018, we work with 75+ trusted partners, and we match around 280,000 customers a year.

No. Become is a neutral matchmaker, never a lender or a service provider. Our partners do the lending, the servicing and the installing. We rank the options that fit you and hand you the wall, and the relationship from there is between you and the partner you pick.

Four steps. One, tell us what you need - a short form, about three minutes. Two, we match you against 75+ partners, ranked by fit: rates, terms, pre-qualification likelihood and trust. Three, you see your offer wall, a ranked list of real personalized options you can compare side by side. Four, you choose. No pressure, and the service is always free to you.

Nothing, ever. The service is free to you and there is no obligation to take anything you are shown. Partners pay Become a flat referral fee only if you choose one, and that fee never changes the rate or the price you are offered.

By your match score, a blend of rate, terms, pre-qualification likelihood and partner trust. Ranking is never paid placement - a partner cannot buy the top of your wall. Our advertising disclosure explains how we get paid.

Personal finance and home services are United States only. Business financing is available in the US and in Australia - the application detects where you are and routes you to the right network of lenders.

The main products our 45+ lender partners offer: SBA 7(a) and 504 loans, business lines of credit, merchant cash advances, equipment financing, invoice factoring and unsecured term loans. You do not have to know which one you want - tell us what the money is for and the wall will show you what fits.

Most businesses come to us looking for somewhere between $25,000 and $250,000, and that is the range the network is deepest in. Smaller working-capital draws and larger facilities both exist in the network; what you are actually offered depends on your revenue, your time in business and the partner.

The application itself takes about three minutes and preliminary offers come back to your wall. From there most funded customers are funded within days, not weeks. The pace depends on the partner you pick and on how quickly you get them the documents they ask for, usually recent business bank statements.

There is no single cutoff, because every partner sets its own. In practice they look at how long you have been trading, your monthly revenue, your industry and your recent business bank statements. The form asks for those up front precisely so you only see partners whose criteria you already meet.

Any legitimate business purpose - it is your call, not ours. The most common are working capital and cash flow, inventory and stock, payroll, equipment, renovations, marketing, and refinancing more expensive debt.

All for-profit industries, from retail and hospitality to trades, manufacturing, healthcare, transport and professional services. Some partners specialise in a particular sector, which is one of the things the match score takes into account. There is a page per industry if you want the detail for yours.

It depends on the product and the partner. Some price in APR, others quote a single total payback amount agreed upfront, which makes the full cost easy to plan around. Your offer wall shows what each partner is actually quoting you, so compare the total cost of the money and not just the headline number.

Three things, across 21+ partners: personal loans for a large expense, debt consolidation to roll high-interest balances into one payment, and debt relief programs for people whose balances have become unmanageable. Where you qualify for more than one, we show them side by side so you can see the difference.

Personal loan matches generally run from about $5,000 up to $100,000. What you are offered depends on your income, your credit profile and the partner.

No. Seeing your matches uses a soft inquiry, which does not affect your credit score. A hard pull only happens later, if you decide to formally apply with a partner you have chosen.

A consolidation loan is new borrowing: a partner lends you the money to pay off your existing balances, and you repay one loan at one rate. A debt relief program is not a loan - you enrol your unsecured balances and the program negotiates with your creditors to settle them for less than you owe, which takes time and does affect your credit while it runs. They suit very different situations, which is why the wall shows what you actually qualify for rather than pushing one of them.

There is no one number. Our personal finance partners span thin or rebuilding credit through to excellent, and the match score is partly about routing you to the ones whose profile you fit. Checking costs you nothing and does not touch your score.

Home security and home warranty are live right now, across 9+ providers - professionally installed and monitored systems, self-monitored systems, and DIY kits on the security side. Home insurance and solar are in progress and are marked as coming soon until they are genuinely live.

The same way the rest of the site does. You answer a few questions about the home and what you want covered, we rank the providers that fit, and you pick. The provider handles the quote, the equipment and the installation or the warranty contract directly with you.

Become is free, as always. What you pay is the provider's own plan price - typically a monthly monitoring or warranty fee, sometimes with equipment or an install cost on top. Those numbers come from the provider, and they are what you compare on the wall.

Both are in progress. We flag a service as coming soon until there is a real form behind it, and we flip it to live the day there is - so if you can start it on the site, it is live.

No. We do not resell your information to a list of buyers. What you tell us goes to the partners we match you with so they can quote you, and that is it. Our privacy policy sets out exactly what we collect and what happens to it.

No. This is the part most people are worried about, and it is the reason the product is built the way it is. You see your ranked matches and you decide who, if anyone, you want to talk to. No calls from twenty strangers.

We tell you straight rather than padding the wall with options you cannot get. Business owners who are not fundable yet can use LendingScore to see which factors are holding them back and what to improve; you are welcome to come back and run it again once something has changed.

Sign in with the email you applied with and your wall is there. Offers do expire - partners price them against your situation at the time - so if it has been a while, the fastest route is usually to run it again.

Use the contact page or email support@become.co. Typical reply time is within one business day.