See which business funding fits, before you apply.

No. Wyo Stays LLC is a business-funding referral service. We refer requests to third-party lenders and funding partners, and they set the rate, amount and terms. We may be paid by a lender if your financing funds.

Businesses in the United States. For real estate requests the property must be in Wyoming, Montana or Colorado. In Virginia, Connecticut, Missouri and Texas we only refer term loans, lines of credit, equipment financing and SBA programs.

Yes. Owners of short-term rentals, long-term rentals and vacation rentals can send a request, and so can property managers and other small businesses. The form asks what the money is for so we can refer it to programs that fit.

We review it against the rules for your state and the type of funding you asked about, then refer it to funding partners and lenders that may fit. Lenders contact you with their own questions and offers. You decide whether to continue with any of them.

Lenders commonly ask for recent business bank statements, a government ID and basic details about the business and its owners. For real estate loans they also look at the property and its rental income. Requirements vary by lender.

Sending this form does not pull your credit. A lender may run a credit inquiry, which could be a hard inquiry, before it funds anything. Ask the lender before you agree to move forward.

We do not charge you a fee to send a request. Each lender sets its own rates and fees and shows them in its offer. Read every offer before you accept it.

Credit is one of several things lenders look at, along with time in business, deposits and what the money is for. We ask for an estimated range so we can point your request the right way. We cannot say what any lender will decide.

It depends on the lender and on how complete your documents are. Some lenders move quickly once a file is complete and others take longer. We cannot promise an amount or a timeline.

Common uses are working capital, furnishing or renovating a rental, equipment, and real estate financing such as DSCR and fix-and-flip loans for property in Wyoming, Montana and Colorado. Which programs fit depends on your business and the lender.

A business line of credit lets you borrow up to a limit, repay, and borrow again, so it suits ongoing or uneven costs. A term loan gives you one lump sum that you repay on a set schedule, so it suits a single larger purchase.

A DSCR loan is a real estate loan that is underwritten mainly on the debt service coverage ratio, which compares a property's rental income with its loan payments. It is often used by investors because it relies less on personal income. Terms vary by lender.