Home / How It Works
Application to funded, in as little as 24 hours
No lengthy approvals and no red tape. Here is exactly what happens, in order.
Simple step process
Six steps, start to finish
Most applicants hear back the same day and are funded within 24 to 48 hours.
Apply in under ten minutes
Business details, how much you need, and a read-only look at your bank activity so we see real revenue rather than typed figures. No fee, no obligation, no commitment.
We look at the whole business
Time trading, revenue moving through the account, and payment history on what you already carry. All credit types are considered — the score is one input, not the decision.
Get a tailored offer
Usually the same day. We set out each structure that fits, what it costs in total, and which we would take in your position — including when the cheaper, slower option is the right one.
Terms in writing
Amount, payment, schedule and the total cost of capital on the page before anything is signed. One flat factor rate on an advance; a fixed monthly figure on a term facility.
Sign and get funded
Electronic signature, then the money moves. Advances typically land within 24 hours; term loans and lines within 48.
Build the record
Every clean remittance strengthens the file. Renewals on a good payment history are faster, larger and better priced.
What to have ready
Two minutes of prep and the form takes ten
- Three to six most recent business bank statements.
- Business details — legal name, EIN, entity type, start date.
- Government-issued photo ID for the owner applying.
- A figure for how much you need, and what it is for.
- Details of any existing facility you are already servicing.
Why owners choose us
Straight terms, and a look at the whole business.
No Collateral Required
Your business performance is the asset. Keep your personal property out of it.
Transparent Factor Rates
One clear cost of capital. No hidden fees, no prepayment penalties.
All Credit Types Considered
We look at your business as a whole, not just a three-digit score.
Application To Funded
In as little as 24 hours on an advance, and 48 on a term facility.
Common questions
About the process
An advance or revenue-based facility can fund within 24 to 48 hours of approval. Term loans and lines of credit typically fund within 48 hours. The application itself takes under ten minutes.
Yes. We look at your business as a whole — time trading, revenue moving through the account, and your payment history with existing obligations — rather than a single three-digit score. That said, every application is subject to review and we cannot approve every business that applies.
A factor rate is a single multiplier applied once to the amount advanced. If you take $50,000 at a factor rate of 1.25, you remit $62,500 in total — that is the whole cost, fixed at signing. Interest, by contrast, accrues over time and changes with how long you take. A factor rate does not compound and does not grow.
Not for a merchant cash advance or revenue-based financing. Your business performance is what we underwrite against, so your personal property stays out of it.
It is one of the strongest signals we have. Consistent, on-time remittance on an existing facility tells us more about how a business behaves than a score does — and it is the main reason renewals are quicker and larger than first-time applications.
The term loan repays on a fixed monthly schedule, the line of credit repays monthly on the drawn balance, and revenue-based financing takes an agreed share of monthly revenue. Only the merchant cash advance remits from daily card sales.
Next step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.