Most business owners spend weeks chasing paperwork for a "fast" loan. We compress that into a week — sometimes less — without cutting corners on diligence. Here's exactly what happens at each stage.
Our application is intentionally short. We ask only the questions we actually need to answer: who you are, what your business does, how it's performing, and what you need the capital for. There's no upfront credit pull, no application fee, and no commitment.
What you'll need handy:
A dedicated funding advisor (a real person, not a bot) reviews your application and calls you within an hour of submission. This is the most important step of the process, and the part that distinguishes us from online-only lenders.
The call has two purposes: to understand your situation in your own words, and to figure out which of our six products is the right fit. Sometimes the obvious answer is wrong — someone applying for a merchant advance might actually qualify for a term loan at half the rate. Our job is to find you the best capital available, not just any capital.
Once we know the right product, our underwriting team digs in. We use technology to speed up the routine parts — bank statement analysis, document verification, fraud screening — but every decision has a human in the loop. We're not running credit-score gatekeeping; we're looking at your actual business.
If we need anything else (tax returns, financials, a brief explanation of an anomaly), you'll hear from us in this window. The faster you respond, the faster we close.
You get an offer in writing with every number spelled out: amount, rate, term, payment, total cost of capital, any fees. If you have questions, we answer them. If you want to negotiate, we'll tell you honestly whether there's flexibility.
This is also the stage where we'll tell you if we think you can do better — sometimes that means waiting a few months to qualify for a cheaper product, sometimes it means a different lender in our network. We'd rather lose a deal than put you in the wrong product.
Once you sign, funds wire to your business checking account. For most products, that happens within hours. For SBA loans, the timeline is longer (30–60 days from start), but the cost savings are usually worth the wait.
After funding, you're assigned an account manager for the life of the loan. If you need to talk about anything — early payoff, refinancing, a second product later — you have one human point of contact.
If you can do better elsewhere — at a credit union, with the SBA direct, by waiting six months — we'll tell you. Selling you the wrong product is bad for everyone.
Every offer has total cost of capital in writing, not buried in legalese. You'll know exactly what borrowing $100K will cost over the life of the loan before you sign anything.
No prepayment penalties on most products. No hidden fees. No automatic renewals you didn't ask for. If we charge for something, it's disclosed before you sign.
No. Our initial application uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. We only do a hard pull once you've reviewed and accepted an offer in writing — and even then, only when required by the specific product.
We have products for borrowers with credit scores as low as 500. Personal credit matters less than most people think — for many products (especially merchant advances, equipment financing, and asset-backed lending), business performance matters far more than your FICO. Apply and let us actually look at your file.
Three main differences: speed, flexibility, and breadth. Banks typically take weeks to months and only offer a narrow set of products. We have six distinct products across our network and can fund most of them withwithin 24 hours. Banks are great for the businesses that fit their narrow criteria; we exist for everyone else.
That said, if you do fit a bank's criteria, you'll usually get a better rate from them. We tell you that honestly when it applies.
Never. Applying is free, and you'll never pay anything until funding. Some products carry origination fees (typically 0–4% of the loan amount), but those are deducted from the funding proceeds, not paid upfront. You'll see the exact number in your offer before signing.
That's the most common situation, and exactly why we have funding advisors. You don't need to pick a product when you apply — just describe what you're trying to do, and we'll figure out which financing structure fits. Many businesses end up with a different product than the one they originally asked about, at better terms.
Most of our products have no prepayment penalty. A few — typically merchant advances and some asset-backed lines — have specific structures that affect early payoff. We'll tell you upfront which applies and how it works.
We fund nearly every legal industry: construction, restaurants, manufacturing, healthcare, retail, trucking, professional services, automotive, e-commerce, agriculture, and more. We have specific restrictions on a small number of categories (gambling, adult entertainment, cannabis in some states, firearms manufacturing) but otherwise, if your business is legal and generating revenue, we likely have a product for you.
One short application. A real funding advisor. Honest answers about what you qualify for and what it'll cost.