One application. We review it against what our funding partners actually approve, then route you to the one that fits your business. A specialist calls you with real numbers.
The right product depends on what you are actually trying to do. That is most of what the application is working out.
Payroll lands before your receivables do. Working capital and a line of credit exist to bridge exactly that gap, and they are the most common reason owners apply.
A truck, a machine, a second crew's worth of tools. Equipment financing is secured by the equipment itself, which is why it often approves when other products do not.
A second location, a contract bigger than your current capacity, inventory ahead of a season. Expansion capital is priced on the revenue you are about to earn.
You deal with us for the first two. After that you work directly with your funding partner.
A few questions about your business. No documents to dig up, and no hard credit check at any point.
About 2 minutesWe confirm your phone, review your credit with a soft inquiry, and route you to the partner whose criteria you actually clear.
Usually same dayThey underwrite, set terms and send the money by bank transfer. You deal with them directly from this point on.
As fast as 24 hoursNot a promise, just the mechanics of why alternative funding moves faster than a bank.
A bank underwrites tax returns, collateral and a credit committee, which is the real reason it takes weeks. Our partners underwrite business bank statements and monthly revenue, so a decision can come back the same day you apply.
We verify your phone number and review your credit with a soft inquiry before you are introduced to a partner. They are not starting from zero, so the first conversation is about terms rather than working out whether you qualify at all.
Different products approve on different things. Part of the point of one application is that you do not have to know which one you need.
No. We review your credit with a soft inquiry, which does not affect your score and is not visible to other lenders. We never run a hard credit check. If you later accept an offer, your funding partner may run their own check, and they will tell you before they do.
No. We are a lead generation and referral service that connects business owners with third-party funding partners. We do not make credit decisions, we do not set rates or terms, and we do not fund anything ourselves. Your funding partner does all of that.
Nothing. There is no charge to apply and no obligation at any point. If the terms you are offered do not work for you, you walk away.
It depends entirely on the product and the partner. Some approve on revenue with weaker credit, others on credit with little revenue. That is the reason the application asks what it asks, so we can point you at the partner whose bar you actually clear.
Some partners can fund in as little as 24 hours after they approve you. That depends on your file, the product and the partner, and it is not guaranteed. What we can commit to is getting you matched and called quickly.
The funding partner you are matched with, at the phone number and email you give us. You agree to that when you apply, and you can ask them to stop contacting you at any time.