HomeHow It Works

Three steps. One business day.

You fill in a short form with no credit impact. A funding specialist reviews your file and calls you the same day with the options you qualify for and what each one costs. You pick one, sign, and funds land as fast as 24 hours.

See what you qualify for Talk to a funding specialist

01

Apply in five minutes.

Your name, your business, your average monthly deposits and your time in business. That is enough for us to tell you where you stand. There is no credit pull at this step and no document upload.

If you would rather talk first, call (832) 501-9962. The person who answers is the person who will work your file.

02

Get your options the same day.

A funding specialist reads your file, not a scoring model alone, and calls you with the products your business qualifies for, the amounts, the terms and the total cost of each. You hear the numbers before you send a single document.

What we ask for at this step

  • Your last four months of business bank statements
  • A government-issued ID for each owner with 20% or more
  • For term loans, SBA loans and equipment: two years of business tax returns, a current profit and loss statement and balance sheet, and the equipment quote where it applies

Bank statements can come straight from your bank through a read-only link if you prefer not to download them.

03

Sign and get funded.

You choose the option. You sign electronically. Revenue-based funding and lines of credit fund as fast as 24 hours after signing, often the same day. Term loans, SBA loans and equipment financing follow the timeline your specialist gave you at step two.

What happens after

  • Your specialist stays on your file. When you call back, you reach the person who funded you.
  • On revenue-based funding, once a set portion of the balance is paid you can usually renew for more. Paying off early is a conversation about terms, not a penalty by default.
  • Before each renewal window we talk about the next product up, so the business moves toward cheaper capital instead of repeating the same one.

Credit, in plain terms.

Seeing what you qualify for does not touch your credit. We underwrite the first step on your business bank activity. A full credit review runs only after you have chosen an option and told us to proceed, and your specialist tells you before it happens. Credit is one input; deposits and time in business weigh more.

Do you qualify?

  • 6+ months in businessOlder businesses qualify for more.
  • $15,000 a month in depositsInto a business bank account, averaged over the last four months.
  • 500+ personal credit scoreCredit is one input, not the decision.
  • Based in the United StatesAny state. Some industries have limits; your specialist will tell you up front.

Revenue-based funding $5K to $500K, as fast as 24 hours. Up to $5M across term, SBA and equipment. Same-day decision. No credit impact to see what you qualify for.

See what you qualify for

Before you apply.

Does seeing my options affect my credit?

No. The first step uses your business bank activity, not a credit pull. A full credit review happens only after you choose an option and tell us to proceed, and your specialist tells you before it runs.

What happens after I am funded?

Your funding specialist stays on your file. On revenue-based funding, once a set portion of the balance is paid you can usually renew for more, and paying off early is a conversation about terms, not a penalty by default. On term products, the specialist checks in before each renewal window so the next step is planned, not rushed.

Who cannot be funded?

Businesses under six months old or without $15,000 a month in deposits, businesses without a US business bank account, and a small set of restricted industries. If your file does not fit today, we tell you plainly what would change the answer.

Can I talk to someone before I apply?

Yes. Call (832) 501-9962 and a funding specialist will answer your questions before you fill in anything.

Five minutes now. Funds as fast as tomorrow.

No credit impact to see your options, and a specialist on the phone the same day.

See what you qualify for