How do I qualify for a business loan?

Most lenders look at credit score, time in business, annual revenue, and existing debt. For SBA loans, 650+ credit score and 2 years in business are common minimums. TCO Capital offers a free capital assessment across 15+ lenders.

Does TCO Capital charge upfront fees?

No. TCO Capital operates on a fee-at-closing model. No application fees, consulting fees, or retainers. Fee is paid only when financing closes.

What states does TCO Capital serve?

TCO Capital primarily serves North Carolina and South Carolina, focusing on Charlotte, Raleigh, Greensboro, Columbia, and Greenville markets.

Frequently Asked Questions

Everything you need to know about the TCO Capital HR SaaS platform.

What is TCO Capital's HR SaaS platform?

A white-label employee onboarding portal built on Oracle APEX, hosted on Oracle Cloud. We configure and brand it for your business so new hires go through a seamless, automated onboarding experience from day one.

How long does setup take?

Most clients are live within 5-7 business days. The one-time setup fee covers platform configuration, branding, data migration, and staff training.

What's included in each plan?

All plans include the branded onboarding portal, automated workflow engine, role-based access (HR, Manager, IT), and email notifications. Plans differ by employee seat count: Starter (25), Growth (100), Enterprise (unlimited).

Is there a contract or can I cancel anytime?

Month-to-month — no annual contract required. Cancel anytime with 30 days notice. The one-time setup fee is non-refundable.

Where is my data hosted?

Oracle Autonomous Database in Oracle Cloud Infrastructure (US East — Ashburn, VA). Serverless with automatic backups and zero scheduled downtime.

What industries do you serve?

Construction, real estate, logistics, and professional services — businesses that hire frequently and need a structured, repeatable onboarding process.

How do I get started?

Select a plan on our Pricing page and complete your PayPal payment. Our team will reach out within 1 business day to kick off your setup.

Frequently Asked Questions

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