// V1 FAQ page — dedicated, richer than the old homepage accordion.
// Structure:
// Hero — oversized headline + search bar + "ask an underwriter" chip
// Jumpstack — 5 category nav pills (sticky) → scroll to section
// Sections — each category has an eyebrow, a short intro blurb, then
// open-by-default Q&As with more depth (tables, callouts,
// math examples, signed pull-quotes from specialists).
// Still stuck? — bottom band routing to /talk booking.
//
// Tone: direct, operator-first, no marketing fluff. Every answer tries to
// include a concrete number or example where possible. Uses the same V1
// violet/navy/paper system as the rest of the site.
const FAQ_CATS = [
{
k: 'pricing',
label: 'Pricing & cost',
eyebrow: '01 · Pricing',
intro: 'How Delt funding is priced. One flat fee, no APR, no compounding, no surprises.',
items: [
{
q: 'Is there interest on Delt funding?',
short: 'No interest. No compounding. One flat fee, locked in upfront.',
a: (
<>
No. Delt funding has no ongoing interest charges. The total cost
is simply the funding fee — the difference between the total
owed amount and the initial advance amount you see in your
Dashboard. The total cost never changes and your balance
never grows.
),
},
{
q: "What's the cost of Delt funding?",
short: 'One flat fee — the difference between the total owed and the advance amount.',
a: (
<>
There's no interest, just one flat fee. The total cost is the
funding fee, which is the difference between the total owed
amount and the initial advance amount you see in your Dashboard.
The total cost never changes and your balance never grows.
Your exact fee is tailored to your business — based on
processing history, advance amount, and account performance.
You see the full number, in dollars, in the offer before you
accept.
),
},
{
q: 'Are there late fees or prepayment penalties?',
short: 'No late fees. No prepayment penalty. Pay early and you finish sooner — same cost.',
a: (
<>
No late fees. Nothing is ever added to your total amount
owed. The number on your offer is the number — full stop.
No prepayment penalty. Pay ahead any time at no extra
cost. The total amount you owe doesn't change due to
prepayments; you simply finish the advance sooner and free up
your card sales.
),
},
],
},
{
k: 'eligibility',
label: 'Eligibility',
eyebrow: '02 · Who qualifies',
intro: "What we look at, what offers look like, and why applying won't touch your credit.",
items: [
{
q: "How do you determine my business's offer?",
short: 'Processing volume, account history, and payment frequency — not FICO.',
a: (
<>
Offers are based on a variety of factors related to your
business, including its payment processing volume, account
history, and payment frequency. We underwrite the cash flow
that actually runs your business — not a credit score from
three years ago.
Card processing volume through your operating account
),
},
{
q: 'How much funding can I receive through Delt?',
short: 'Offers are customized to your business performance — up to $350K.',
a: (
<>
Offers are customized to your business and can range up
to $350,000, depending on performance. We take into
account:
Your processing volume and frequency
Your time using Delt and account history
Your customer mix and sales consistency
),
},
{
q: 'Does applying for Delt funding affect my credit score?',
short: 'No. Applying does not affect your personal or business credit.',
a: (
<>
No — applying for Delt funding doesn't affect your personal or
business credit score, and there is no credit score
requirement to apply. We don't require a personal guarantee
for your business to take an advance, and we don't report to
third-party credit bureaus.
),
},
],
},
{
k: 'process',
label: 'Process',
eyebrow: '03 · Getting funded',
intro: 'How offers appear, how fast funds land, and what the money can be used for.',
items: [
{
q: 'How do I request funding from Delt?',
short: 'Eligible offers appear automatically in your Dashboard — no application required.',
a: (
<>
If a funding offer is available in your Delt Dashboard, you can
accept it in a few clicks — no long application, no paperwork
pile. If you don't see an offer yet, we review your account
daily against the same data we already have, so you don't
need to contact us or submit anything extra.
The moment you're eligible, we'll surface the offer in your
Dashboard and notify you. It's that simple — funding finds you.
),
},
{
q: 'How quickly are funds deposited?',
short: 'As soon as the next business day after approval.',
a: (
<>
Once approved, funds are deposited in your account as soon
as the next business day, subject to processing time and
completion of your funding agreement. Keeping your business
ownership info on file with Delt up to date keeps things
moving fast.
),
},
{
q: 'What can Delt funding be used for?',
short: 'Any legitimate business need — inventory, payroll, marketing, expansion, debt refi.',
a: (
<>
Use it for anything that grows the business:
Covering short-term cash flow
Hiring employees and meeting payroll
Purchasing inventory and equipment
Investing in marketing and ad spend
Refinancing higher-cost debt
Renovating or opening a new location
),
},
],
},
{
k: 'repayment',
label: 'Repayment',
eyebrow: '04 · Repayment',
intro: 'How repayment works day-to-day — and why it always moves with your business.',
items: [
{
q: 'How do I pay back Delt funding?',
short: 'A fixed percentage of your daily card sales — automatically, no invoice to chase.',
a: (
<>
You don't pay it back — your card sales do. A fixed
percentage of your daily card sales is deducted
automatically until the advance is complete. The percentage
stays the same; the dollar amount moves with your business.
Slow day? You pay less. Repayment flexes down with you.
Busy day? You pay more — and finish the advance sooner.
Zero-sale day? Nothing comes out. We only pull from what you actually earn.
),
},
{
q: 'How long does repayment take?',
short: 'It depends on your sales. Busier months finish faster — and that\u2019s the point.',
a: (
<>
Because repayment is a percentage of card sales, the timeline
is driven by your volume. Most advances complete in roughly
4 to 12 months, with stronger sales months pulling the
finish line forward. There's no monthly minimum that punishes a
slow week.
When you're ready for more, eligible businesses see renewal
offers with better pricing as the relationship deepens — the
first advance proves the fit; every advance after that is
priced like it.
),
},
{
q: 'What if my sales drop mid-term?',
short: 'Payments drop with them. That\u2019s the whole point of the model.',
a: (
<>
Your payment moves with your sales — that's the point.
If revenue dips, the daily debit dips with it. You don't get
stuck with a fixed monthly bill when the business is having a
quiet week.
If you're navigating a sustained change in revenue, just call
us. We've worked with operators through seasonality, build-outs,
and slow stretches — and we'd rather have the conversation
early than not at all.
);
}
function V1FAQPage({ accent, onApply, onTalk }) {
const [openMap, setOpenMap] = React.useState({ 'pricing-0': true }); // first one open
const [query, setQuery] = React.useState('');
const [activeK, setActiveK] = React.useState('pricing');
// Filter categories by query — match on q + short
const filteredCats = React.useMemo(() => {
if (!query.trim()) return FAQ_CATS;
const q = query.toLowerCase();
return FAQ_CATS.map((c) => ({
...c,
items: c.items.filter((it) =>
it.q.toLowerCase().includes(q) ||
(it.short && it.short.toLowerCase().includes(q)) ||
c.label.toLowerCase().includes(q)
),
})).filter((c) => c.items.length > 0);
}, [query]);
const totalCount = FAQ_CATS.reduce((n, c) => n + c.items.length, 0);
const filteredCount = filteredCats.reduce((n, c) => n + c.items.length, 0);
// Open all matches on active search
React.useEffect(() => {
if (!query.trim()) return;
const next = {};
filteredCats.forEach((c) => c.items.forEach((_, i) => { next[`${c.k}-${i}`] = true; }));
setOpenMap(next);
}, [query]);
// Track scroll → active category for the sticky nav
React.useEffect(() => {
const onScroll = () => {
const mid = window.scrollY + window.innerHeight * 0.28;
let best = FAQ_CATS[0].k, bestDist = Infinity;
for (const c of FAQ_CATS) {
const el = document.getElementById(`faq-${c.k}`);
if (!el) continue;
const top = el.getBoundingClientRect().top + window.scrollY;
const d = Math.abs(top - mid);
if (top <= mid + 100 && d < bestDist) { bestDist = d; best = c.k; }
}
setActiveK(best);
};
window.addEventListener('scroll', onScroll, { passive: true });
onScroll();
return () => window.removeEventListener('scroll', onScroll);
}, [filteredCats]);
const jumpTo = (k) => {
const el = document.getElementById(`faq-${k}`);
if (el) window.scrollTo({ top: el.getBoundingClientRect().top + window.scrollY - 80, behavior: 'smooth' });
};
return (
<>
{!query.trim() && (
)}
{filteredCats.length === 0 ? (
No match for "{query}".
We probably haven't been asked this one yet. Ask it directly below —
we'll write the answer and publish it.
) : (
filteredCats.map((cat) => (
))
)}
{/* Closing band — still stuck? */}
Still stuck
Got a question we didn't answer?{' '}
Ask an actual person.
30 minutes on Teams with one of three underwriters. They own their
book — no handoffs, no call center. Bring any question; if we
can't answer it on the call, we'll come back within 24 hours.