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Security Center

Learn how Ream Advance protects your data and safeguards your business information.

Trust us to keep your information secure.

When business owners apply with Ream Advance, they’re trusting us with more than just their data—they’re trusting us with the safety and security of their business. That’s why we follow strict protocols to ensure the Ream Advance experience is as secure as possible:

  • Our websites are encrypted.
  • We encrypt data in transit.
  • We restrict access to our systems and data to only those associates who need access to perform their job responsibilities.
  • Our team is trained in cybersecurity awareness and best practices.
  • Our systems are actively monitored to maintain confidentiality, integrity, and availability.

Tips to avoid scams and fraud.

Scams

Fraudsters will sometimes pretend to be online lenders or debt collectors in an effort to get your money. Keep these tips in mind:

  • Never pay in advance for the promise of a loan.
  • Never make payments over the phone unless the details of your original loan can be confirmed
  • Never send money to anyone if you don’t recall taking a loan from them.
  • Never send money to anyone if you don’t recall taking a loan from them.
  • Never give out personal information if you cannot identify the identity of the person contacting you.
  • End the call if any caller starts making threats.

Scams

Social engineering attempts (also known as “phishing”) aim to steal user data and sensitive information. These are typically characterized by the following:
  • Unexpected outreach. Someone “responds” to something you haven't asked.
  • Unwarranted sense of urgency. Someone is trying to get you to do something quickly, or to avoid dire consequences.
  • It’s too good to be true. Someone is promising huge reward or payoff in exchange for immediate disclosure of information.
  • Something's "off." Look for atypical grammar or spelling, such as a hyperlink being misspelled. Perhaps the email sender address is different than expected, or you're being asked to share your password.

What is a good business credit score?

The U.S. government’s Cybersecurity Infrastructure Security Agency (CISA) provides helpful guidance and resources to help small business owners protect their digital systems and sensitive information.
  • Free Cybersecurity Tools & Resources
  • Stop Ransomware
  • Cyber Guidance for Small & Medium Businesses
  • Blog Post: Accelerating Our Economy Through Better Security - Helping America's Small Businesses Address Cyber Threats

Keep your customers safe.

The U.S. government’s Cybersecurity Infrastructure Security Agency (CISA) provides helpful guidance and resources to help small business owners protect their digital systems and sensitive information.

Data Minimization

Incorporating security and privacy into your own business is not only a best practice — it can be a value-add for your customers. Here are a few tips and things to consider.

Data hygiene

Incorporating security and privacy into your own business is not only a best practice — it can be a value-add for your customers. Here are a few tips and things to consider.

Data transparency

Incorporating security and privacy into your own business is not only a best practice — it can be a value-add for your customers. Here are a few tips and things to consider.

Report a security vulnerability.

If you are a security researcher or believe you have identified a security issue with Ream Advance, please report it confidentially so we can investigate and address it promptly. We ask that you do not disclose the issue publicly until a fix or update has been implemented
Report Vulnerability

FAQs: Security

How do I create a strong password?
Use a unique password that is long and difficult to guess. A strong password should include a mix of upper- and lowercase letters, numbers, and special characters. Avoid using personal information or reusing the same password across multiple accounts.
Keep your devices updated with the latest software and security patches. Use antivirus and anti-malware tools, enable automatic updates, and lock your devices with a password, PIN, or biometric security. Avoid installing apps or software from unknown sources.
Whenever possible, use secure and encrypted websites. Look for the lock icon near the URL bar to confirm that a site is encrypted before sharing sensitive information. Always verify the lock symbol before entering personal or business details. In addition, avoid submitting sensitive data over public or shared Wi-Fi networks, even when visiting secure websites.

Small Business Loan

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  • Same-Day Funding is only available in certain states for term loans up to $250,000. Eligibility window is Monday–Friday before 10:30 a.m. ET. If checkout is completed before 10:30 a.m. ET, funds may be available by 5:00 p.m. local time the same business day. If checkout is completed after 10:30 a.m. ET, or on a weekend or bank holiday, the loan will not qualify for Same-Day Funding and funds will typically be deposited within 2–3 business days.
  • Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draw amounts between $1,000 and $10,000, with a limit of one draw request per day. Not all banks or debit card providers participate. To qualify, you must register a business debit card that matches the information associated with your Ream Advance account. Transfers are typically completed within 30 minutes but may be subject to additional restrictions or delays.
  • Certain industries are not eligible for financing (see list of restricted industries). In addition, Ream Advance does not lend to businesses located in North Dakota. Additional underwriting requirements may apply.
  • If you pay off a Ream Advance term loan early, you may still be required to pay a portion of the unpaid interest expense, as outlined in your loan agreement. The specific percentage will be disclosed in your agreement.
  • Eligibility for the lowest rates is very limited and available only to businesses with the strongest credit profiles and cash flow performance. This typically includes businesses that demonstrate excellent payment history on prior financing products with Ream Advance.
  • The average APR for term loans is 56.4%, and the average APR for lines of credit is 56.6%. Averages are based on loans originated in the six-month period ending June 30, 2025.
  • Depending on your state and other application factors, you may be required to make a minimum initial draw of $1,000 at origination.
  • Only customers who have previously renewed a term loan are eligible for a 0% origination fee. Customers renewing a term loan for the first time may receive a discounted origination fee. No origination fee discount applies to renewal loans with a 24-month term.
  • All loans are subject to lender approval. Depending on your state, business profile, and loan characteristics, financing may be provided by Ream Advance or one of its lending partners. The lender will be clearly identified in your loan agreement prior to signing.
  • Only select customers with strong credit profiles and sufficient verified monthly revenue who meet specific underwriting criteria are eligible for loan amounts up to $400,000.

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