A clear path to capital

Simple, fast, and no surprises.

Getting business capital shouldn't take weeks of paperwork or cryptic back-and-forth. Here's exactly how we do it — and how long each step takes.

Clear business financing process
Four Steps

From "let's see" to "funds deposited"

Most clients move through all four steps inside a single business week.

1

Apply Online

A 10-minute secure form. We only ask what's essential.

What you'll need

  • Basic business info
  • Amount & use of funds
  • Contact details
2

Share Documents

Upload through our secure portal. We'll come back with any clarifications quickly.

Typical documents

  • 3–6 months of bank statements
  • 1–2 years of tax returns
  • Basic financial statements
3

Get Approved

Our underwriting team reviews your file and returns a decision — usually within 24–48 hours.

Behind the scenes

  • Application review
  • Credit assessment
  • Clear offer terms
4

Receive Funds

Sign electronically. Funds wire directly to your business account.

Funding timelines

  • Same day: MCA & Short-term
  • 1–2 days: Line of Credit
  • 1–3 days: Term Loans
Your Timeline

What the week typically looks like

Day-by-day expectations so you can plan around funding instead of waiting for it.

Day 1

Application submitted

Complete the online application and upload initial documents. You'll get immediate confirmation and next steps from your specialist.

Day 1–2

Document review

Our team reviews your file. Most clarifying questions are handled within hours via email or a quick call.

Day 2–3

Underwriting decision

If approved, you receive clear terms in writing — rate, fees, payment schedule, all of it.

Day 3–5

Funds in your account

Sign electronically and we wire funds via ACH directly to the business account you designate.

Requirements

What we look for

Knowing our baseline helps you prepare and improves your odds of approval.

Business basics

  • Operating 6+ months
  • Valid business license
  • Business bank account
  • US-based operations

Financial health

  • Consistent revenue
  • Positive bank balances
  • Manageable existing debt
  • Healthy cash flow

Owner profile

  • Credit score 550+
  • Meaningful ownership stake
  • Industry experience
  • Clear use of funds
Process FAQs

Common questions

Quick answers about applying, approval, and funding.

Will applying affect my credit score?

No. The initial application uses a soft pull that won't affect your score. A hard inquiry only happens if you accept an offer and move forward.

How long does the application take?

Usually 10–15 minutes. Most of that is gathering and uploading documents, not answering questions.

What if I'm not approved for my first choice?

We'll look for alternatives. Many clients who don't qualify for one program fit another — and we'll be upfront about it either way.

Can I track my application?

Yes. You'll get updates by email and phone, plus access to our secure portal to check status anytime.

Are there any fees to apply?

No. Zero application fees, zero quote fees. You only pay anything if you accept an offer and receive funds.

Start your application

A few minutes now can mean funds in your account this week.

Secure · Soft credit only · Free consultation