From the moment you hit "apply" to wire confirmation in your bank — here's the entire journey, with no surprises.
Apply Online
Basic info: business name, EIN, monthly revenue, and 3 months of bank statements. No tax returns under $250K. No physical paperwork.
Soft Credit Check
We run a soft pull (no impact to your score) and match you with funding programs you qualify for. Your dedicated advisor calls you.
Receive Offers
You'll see real, transparent offers with all fees disclosed. No surprises later. Compare side-by-side and pick what fits your business.
Funds Wired
E-sign the agreement from your phone. We wire funds the same day for amounts under $250K. Larger deals fund in 1–3 business days.
That's it. No tax returns. No physical visits. No business plan PowerPoints.
Driver's license or passport of the business owner(s) with 20%+ ownership.
Legal business name, EIN, time in business, industry, and entity type.
Most recent 3 months of business bank statements (PDF). We can pull them via Plaid in 30 seconds.
Optional but speeds up the wire process. We'll request when needed.
For MCAs only — 3 months of merchant processing statements if you take cards.
A quick conversation with your advisor to verify details and answer questions.
Hint: if you have a real business doing real revenue, you probably can.
Most products. Some require 12+ months. SBA needs 24+ months.
The floor for MCA. Higher revenue = larger amounts and better rates.
For MCA. Term loans need 650. SBA needs 680. We work with bruised credit.
Must be a legal US business entity (LLC, Corp, Sole Prop) with an EIN.
You need an active business checking account for deposits and payments.
Bankruptcies must be discharged for 12+ months. Past tax liens are okay.