How it works

For the faster programs, funds typically land 8 to 14 days after the first conversation. Equipment financing runs 5 to 15 business days, PO financing 2 to 4 weeks, asset-based lending 3 to 8 weeks, and SBA or term loans 45 to 120 days. The biggest variable is how complete your file is when underwriting starts.

A quick app or a phone call. No documents are required for the first conversation. If it moves forward, the funding partner's own secure application asks for items like 3 to 6 months of bank statements, current financials, an A/R aging report, ownership details, and documentation of what the money is for.

The quick app is not a loan application and we do not underwrite your file. If a funding institution needs to pull credit during underwriting, we tell you before it happens.

You sign directly with the funding institution. We stay in an independent referral role from the first call through funding, and we charge you no application, origination, arrangement, or advance fees.

Our funding partners compensate us only after you actually receive your funds; in California and Missouri they instead pay us a fixed fee per inquiry, whether or not you are funded. Either way, you pay us nothing. Our compensation never comes out of your pocket.

We tell you what the institution flagged, what would fix it, and whether a different program fits your situation. A decline from one institution is not the end of the road, and applying blindly elsewhere usually costs you more than a conversation with us first.