How it works
No brokered runaround, no application fees, and no credit-score gate. Here is exactly what happens after you hit submit.
From application to funded, without the runaround
- 01
Apply in about four minutes
Tell us the business, the amount, and what the money is for. No document dump up front, no credit pull that dings your score.
- 02
We underwrite the whole file
Revenue, deposits, processing volume, contracts, collateral, and the story behind the numbers. A funding manager is assigned to you the same day.
- 03
You compare real offers
We place your file with the lenders in our network that fund businesses like yours, then show you every structure side by side with its true cost.
- 04
Funds land in your account
Accept, complete verification, and get disbursed. Bridge and crypto-backed facilities can clear in 24 to 72 hours; most others in about five business days.
What our lenders actually underwrite
Six inputs decide your file. Notice which one is missing.
Bank deposits and cash flow
Consistency of deposits matters far more to our lenders than a bureau score. Three months of statements usually tells the whole story.
Processing volume
Stripe, card, and platform settlement history is treated as primary evidence of revenue, not a supporting document.
Contracts and receivables
A signed contract or a confirmed purchase order is fundable collateral, even before the first invoice is paid.
Assets and collateral
Equipment, inventory, property, and digital assets can all secure a facility and materially improve your pricing.
Time in business and industry
Six months is enough for several programs. Industry matters for structure, not for whether we will take the file.
The story behind the numbers
A bad quarter with a documented reason is underwritable. Your funding manager puts that context in front of the lender.
Find out what you qualify for
Four minutes, no documents up front, no impact on your credit score. A funding manager reviews your file the same business day.