Support Center
Frequently Asked Questions
Answers to the questions we hear most often from business owners evaluating Stone FX Capital for working capital, growth financing, or liquidity planning. If you don't find what you need here, our team is happy to walk through specifics directly.
Common Questions
What clients ask before engaging us
A straightforward look at eligibility, process, pricing, and what to expect once you start working with Stone FX Capital.
What types of businesses does Stone FX Capital work with?
We work primarily with established small and mid-sized businesses that have at least some operating history and a clear use for the capital, whether that's inventory, equipment, expansion, or bridging receivables. Eligibility depends on overall financial health rather than a single metric, so we recommend starting a conversation even if you're unsure where you stand.
How is Stone FX Capital different from a traditional bank loan?
Traditional lending tends to rely on rigid, one-size-fits-all criteria and can move slowly. Our approach is structured around a more adaptive review of your business's actual cash flow and trajectory, which often allows for faster decisions and financing structures tailored to how your business actually operates.
What documentation do I need to apply?
Requirements vary by the size and type of financing requested, but generally include basic business registration details, recent financial statements, and a short description of how the funds will be used. We'll confirm the exact list once we understand your situation during the initial briefing.
How long does the review process typically take?
Timelines depend on the complexity of the request and how quickly documentation is provided. Our process is designed to avoid unnecessary delays, and we'll give you a realistic estimate once we've reviewed your initial submission rather than a generic promise upfront.
Is there a minimum or maximum financing amount?
We evaluate requests on a case-by-case basis rather than applying strict fixed thresholds. The right amount depends on your business's needs and repayment capacity, which is something we work through together during the assessment stage.
What fees or costs should I expect?
Any applicable fees, rates, or terms are disclosed clearly before you commit to anything. We don't publish a generic rate card because terms are shaped by the specifics of each business; you'll receive a written breakdown during the proposal stage so there are no surprises.
Will applying affect my credit or standing with other lenders?
Our initial review is designed to be low-impact. We'll always tell you in advance if a step in the process requires something that could affect external records, so you can make an informed decision before proceeding.
Can I use Stone FX Capital alongside my existing bank or lender?
In many cases, yes. We often work alongside existing banking relationships rather than replacing them, particularly when businesses need a complementary source of liquidity for a specific purpose. We can discuss how this might fit with your current arrangements.
What happens after I submit the Executive Briefing request?
A member of our team will reach out to schedule a conversation about your business and financing needs. This is a two-way discussion intended to determine fit before any formal application or commitment is made on either side.
Do you work with businesses outside Surabaya?
Our team is based in Surabaya, and we work with businesses across a range of locations. Reach out with details about your business and we can confirm whether we're able to support your specific situation.
Still have questions?
If your question wasn't covered above, our team is ready to walk through the details directly and help you understand what's possible for your business.