How It Works
A Clear Process
Designed for speed without sacrificing clarity. Four steps, each with a named person, a defined timeline, and nothing that moves without your say-so.
- 01Step 1
Apply
Short and simple application
Seven fields and about three minutes. No hard credit pull, no document upload to start. You'll get a confirmation and a named specialist within the hour during business days.
What to expect
A confirmation with your specialist's direct line.
- 02Step 2
Review
We evaluate your business performance
We look at real revenue, deposit consistency, and cash-flow trends — the things that actually predict performance. Most reviews need only recent bank statements, which you can connect securely.
What to expect
A decision in as little as one business day.
- 03Step 3
Offer
Receive clear terms quickly
Your offer states the amount, the schedule, and the total cost of capital as one number. Your specialist walks you through it line by line, and nothing moves until you say so.
What to expect
Written terms, explained in plain language.
- 04Step 4
Funded
Capital delivered fast
Sign electronically, verify your bank account, and funds are sent — often the same day. From there, your client portal shows every balance, payment, and document in one place.
What to expect
Funds in your account, often within 24 hours.
Underwriting
What we actually look at
Credit scores describe the past. Performance describes the business. We weight what predicts repayment — and we explain our decision either way.
Revenue
Monthly volume and how it's trending over the last 3–12 months.
Deposits
Consistency of deposits, average daily balance, and how you manage obligations.
Trajectory
Where the business is heading, and how the capital fits into that plan.
Speed and transparency
Fast is only useful when it's clear
Typical timeline: application in 3 minutes, decision in one business day, funds in 24–72 hours.
Our commitment: total cost stated as one number, every fee in writing, and no hard credit pull unless you ask us to run one.
Most clients receive a decision within one business day and funds within 24 to 72 hours of accepting an offer. Lines of credit fund draws next business day once your bank account is verified. The fastest path is a complete application and connected bank statements.
Applying never triggers a hard credit pull. We may run a soft inquiry that does not affect your score. A hard pull happens only with your explicit consent, and only for certain larger or custom facilities.
No. Your offer states the total cost of capital as one number. Any origination or wire fee is listed on the same page. If a fee isn't in your agreement, it doesn't exist.