Exactly What Happens, and When
No mystery timelines, no black-box underwriting. Here is the full path from application to money in your account — and what you can do at each stage to move faster.
You Apply
A two-minute application: funding need, revenue range, time in business, and contact details. No documents required yet, no cost, no obligation.
Specialist Review & First Call
A funding specialist reviews your file and calls you to understand the situation — what the capital is for, your timeline, and what structure makes sense. This call typically takes 10–15 minutes.
Documents
For most programs we need just your most recent 3–4 months of business bank statements. Speed tip: have them ready as PDFs downloaded from your online banking — this alone can cut a day off your timeline.
Underwriting & Options
Your file is reviewed against multiple funding programs. We come back with real options — amounts, costs, and repayment structures — presented side by side in plain English.
You Decide
Take the option that fits, ask questions, or walk away. We’ll tell you honestly which structure we’d choose in your position — and if none of them serve you, we’ll say that too.
Funding
Contracts are signed electronically and funds are deposited to your business account. Most qualified applicants are funded within one to three business days of final approval.
The Relationship
Your specialist stays on your file. As you perform, you typically qualify for larger amounts and better structures — and if credit is the constraint, our credit repair program works the problem in parallel.
Timelines are typical for qualified applicants with complete documentation and are not guaranteed. Larger commercial transactions follow a longer, deal-specific schedule.
The Document Checklist
Everything most programs need. Having these ready is the single biggest thing you can do to fund faster.
Required for Most Programs
- Completed application (2 minutes online)
- Last 3–4 months of business bank statements
- Government-issued ID of the owner
Sometimes Requested
- Voided business check (for funding deposit)
- Equipment quote or invoice (equipment deals)
- Business tax returns or P&L (larger amounts)
- Proof of ownership / articles of organization
Know the Path. Start the Clock.
The review is free, the timeline is real, and the first conversation usually happens today.