From Application toFunding in Days
Our streamlined process is designed for busy business owners. Simple application, fast decisions, and funding when you need it—typically within 3-5 business days.
Step-by-Step Guide
Here's exactly what to expect at each stage of the financing process.
Initial Consultation
Connect with a dedicated financing specialist who will understand your business needs, goals, and timeline. This free consultation helps us match you with the right financing solution.
Application & Documentation
Complete our streamlined online application and submit required documentation. Our team guides you through every step to ensure a smooth process.
Review & Approval
Our underwriting team reviews your application and documentation. Most businesses receive a preliminary decision within 24 hours and final approval within 48 hours.
Funding & Access
Once approved, review and sign your loan documents. Funds are typically deposited directly into your business account within 1-3 business days.
Required Documentation
Having these documents ready will speed up your application process. Don't worry if you're missing something—our team can guide you through what's essential for your specific situation.
Need Help Gathering Documents?
Our team can help you identify exactly what's needed for your application and answer any questions along the way.
Contact Our TeamBusiness Documents
- Business license or registration
- Articles of incorporation
- Operating agreement (if applicable)
- Business plan (for startups)
Financial Statements
- Profit & Loss statement (YTD + 2 years)
- Balance sheet
- Cash flow statement
- Accounts receivable/payable aging
Tax Documents
- Business tax returns (2-3 years)
- Personal tax returns (owners with 20%+ stake)
- Tax ID verification
Banking Information
- Business bank statements (6-12 months)
- Existing debt schedule
- Voided check for direct deposit
Why Our Process Works
We've designed every step to be efficient, transparent, and focused on your success.
Fast Decisions
Preliminary approval within 24 hours, final decisions in 48 hours for most applications.
No Hidden Fees
Transparent pricing from day one. No application fees, no surprises at closing.
Dedicated Support
Work with the same specialist throughout—someone who knows your business and goals.
Quick Funding
Once approved, funds are typically in your account within 1-3 business days.
Common Questions
Quick answers about our financing process.
How long does the entire process take?
Most applications are processed within 3-5 business days from start to funding. Simple applications with complete documentation can sometimes fund in as little as 48 hours.
What credit score do I need?
We work with businesses across the credit spectrum. While a score of 650+ is preferred for unsecured products, we have solutions for businesses with lower scores, especially those with strong revenue and collateral.
Are there any upfront fees?
No. We never charge application fees, and there are no costs until you accept your loan offer and complete funding. Our commitment to transparency means no hidden fees.
Can I apply if my business is new?
Most products require 2+ years in business. However, we have programs for newer businesses with strong revenue, industry experience, or collateral. Contact us to discuss your situation.
Ready to Get Started?
Choose how you'd like to begin. Our team is ready to help.