A straightforward process, built around your business
We've designed our process to be efficient without being impersonal. You won't fill out a 40-page application before speaking to anyone. You won't be handed off to a different team at every stage. From your first inquiry through final funding, you work directly with the same advisor, start to finish.
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Start with a conversation
Every engagement begins with a brief intake, either through our online form or a direct call. We want to understand your business, your financing need, your timeline, and any constraints (credit, time in business, collateral availability) that might shape what's possible.
What we'll ask about
- Business type, revenue, and time in operation
- The financing need: amount, purpose, and urgency
- Any existing debt or credit considerations
- Preferred repayment structure if you have one
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We evaluate and match
Once we have a clear picture of your situation, we run your profile against our lender network. This is where our background matters. We're not selecting the first lender that will approve you. We're assessing fit across product type, cost of capital, terms, and lender appetite for your specific business profile.
What happens behind the scenes
- Review of your business bank statements and financial profile
- Assessment of lender appetite and eligibility across our network
- Identification of two to four best-fit financing options
- Preparation of a clear comparison for your review
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Review your options, together
We don't just send you a list of offers. We walk through each option with you, explaining the total cost of capital, repayment structure, any fees or prepayment terms, and how each offer compares. You'll have a full picture before making any decision.
What we cover in this review
- Total repayment amount and effective cost
- Daily, weekly, or monthly payment amounts
- Term length and any prepayment provisions
- Our recommendation and the reasoning behind it
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Accept and get funded
Once you select the right option, we manage the documentation and submission process through to funding. Most clients receive funds within one to five business days of approval, some as fast as the next business day.
What to expect at closing
- Final document collection and lender submission
- Approval confirmation and funding agreement review
- Fund disbursement, typically to your business bank account
- Ongoing availability for questions or future financing needs
Common questions
Will applying affect my credit score?
No. Pre-qualification is based on a soft inquiry only and does not impact your personal or business credit score. A hard inquiry may occur only if you formally accept a financing offer from a lender that requires it, and we'll tell you in advance if that's the case.
How long does the process take?
From your initial inquiry to a preliminary options review typically takes 24 to 48 hours. Full approval and funding timelines vary by product. Revenue-based financing and working capital can fund in as little as one to two business days; SBA and real estate transactions take longer due to lender processing requirements.
What documents will I need?
For most products, we start with three to six months of business bank statements and basic business and owner information. More complex products (SBA loans, real estate financing) require additional documentation, which we'll outline clearly at the appropriate stage.
Is there any cost to apply?
No. There is no fee to apply, no cost for our advisory review, and no obligation to accept any offer. Our compensation comes from the lender upon a funded deal, and we disclose that arrangement to you upfront.
What if I've been declined elsewhere?
A decline from one lender doesn't define what's available across the full market. Different lenders weigh credit, revenue, time in business, and industry differently, and we know how to match your profile to the right source. Tell us what happened and we'll assess your options honestly.
Ready to find the right financing?
No cost to apply and no obligation to proceed. We'll tell you honestly what's available and what makes sense for your business.
Applying does not impact your credit score. Pre-qualification is based on a soft inquiry only.