Home / How It Works
From application to funded, usually inside a day
No brokered hand-offs and no black box. Here is exactly what happens, in order, from the moment you start an application.
The process
Six steps, start to finish
Most businesses move from application to funded inside one business day. SBA applications are the deliberate exception.
Apply in about ten minutes
The application asks for your business details, how much you are looking for, and what it is for. You connect your business bank account so we can see real revenue rather than asking you to key in figures by hand. There is no application fee and no obligation at any point.
An advisor reviews and calls you
A U.S.-based funding advisor — a person, with a direct line — reviews your file. They call to talk through which of the five options actually fit your situation, what each one costs in total, and which one they would choose in your position. If nothing fits, they will tell you that too.
Choose your structure
You receive your options in writing: the amount, the payment, the schedule, and the total cost of capital. Nothing is hidden in a fee schedule you find later. Take the time you need to compare them.
Sign electronically
Once you have chosen, your funding agreement is sent for electronic signature. Read it in full — every term that governs your funding is in that document.
Receive your funds
On most approved applications outside of SBA, funds are on their way the same business day. SBA loans follow the program timeline, generally 30 to 90 days.
Stay with the same advisor
Your advisor does not hand you off after funding. They are who you call about a renewal, an early payoff figure, or a second product a year from now.
What we look at
Four things, and none of them are a mystery
We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.
12 years in business
Your business has been operating and generating revenue for at least twelve years.
$100,000 annual revenue
Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.
Business checking account
An active business bank account in the legal name of the company.
U.S.-based operation
Your business is registered and operating in the United States.
What you will need
Have these ready and the application takes minutes
- Your three to six most recent business bank statements.
- Basic business details — legal name, EIN, entity type, and start date.
- A government-issued photo ID for the owner applying.
- A rough figure for how much you need and what it is for.
- For SBA applications, a fuller package that your advisor assembles with you.
Common questions
About the process
For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.
Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.
Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.
Typically your three to six most recent business bank statements, basic business details such as your EIN and entity type, and a government-issued ID for the owner. SBA applications require a fuller package, which your advisor assembles with you.
It depends on whether your need is recurring or one-time. Recurring or unpredictable gaps suit a line of credit. A planned one-time project suits a term loan. Card-heavy seasonal businesses often suit a merchant cash advance. Buying an asset suits equipment financing. Large, long-horizon projects suit an SBA loan. Your advisor will make a recommendation and explain the reasoning.
Often yes. It is common to hold equipment financing on an asset and a line of credit for working capital at the same time. Your advisor will review your total obligations before recommending anything additional.
Next step
Ready to see what your business qualifies for?
Answer a few questions about your business. An advisor will call you with the options that fit — usually the same day.