From application to funded, step by step
No mystery, no black box. Here is exactly what happens after you apply, what we need from you, and how fast each stage moves when you have your documents ready.
The whole timeline
Five stages. Most take minutes.
1. You apply
Two minutes online or one phone call: your name, business name, monthly revenue, time in business, and how much you are looking for. That's it. No documents required to start, and only a soft credit inquiry, which never touches your score.
2. Your advisor calls
The same business day, a funding advisor calls to understand what the money is for and when you need it. This call matters: what you need determines which product and which funder we route your file to. Five minutes, plain English, no scripts.
3. We underwrite the file
You send three to four months of business bank statements, usually by secure link, straight from your phone. We package the file properly and put it in front of the funding partner whose criteria match your business. Well-packaged files get approved faster and priced better; that is the craft we bring.
4. You review your offer
Your advisor walks you through the offer number by number: amount, cost, payment, schedule, payoff. Total dollar cost in plain sight, no decoder ring required. Questions welcome, pressure absent. If the offer does not work for you, you owe nothing and we say goodbye as friends.
5. You sign, you're funded
E-sign the agreement and funds move to your business checking account, often the same day for advances, one to three days for term products. Your advisor stays your point of contact for the life of the funding, including renewals when you need capital again.
Have these ready to move fastest
The only documents most fundings need:
Larger or longer-term products (SBA, some term loans) add tax returns and financials. Your advisor will tell you exactly what applies.
Apply nowWhat funders actually look at.
Four signals carry nearly all the weight. Credit score is the one everyone worries about, and it is the least important of the four.
Revenue
Average monthly deposits and their consistency. The single biggest factor in every approval.
Cash flow health
Daily balances, negative days, existing payment obligations. Statements tell this story.
Time in business
Six months opens the door. Two years opens the better-priced doors.
Credit
A factor, not a verdict. 500s fund every day when revenue is strong.
Renewals and growing room.
Your repayment history becomes an asset. Once you have paid down roughly half of a funding, most funders will consider a renewal, typically at a larger amount and better pricing than your first round. Clients who start at $30K are often working with $100K+ within a year of clean payments.
Your advisor tracks your eligibility and calls you when better terms open up, before you have to ask. That is the relationship: one person who knows your file, your seasonality, and your plans, on speed dial.