How it works
One Application, Every Lender We Work With
Two minutes of your day, and then the work moves to our side of the desk. Here is exactly who is doing what, at what point, and who pays whom.
One application, every lender we work with
Find out what you qualify for.
Eleven questions, about two minutes. The lenders who fund your industry and your state see it; you compare their offers and take one, or none.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
- 1
Minute 0
You apply
Eleven quick questions about the business and how much you need. Nothing to upload, no fee, and a soft review that leaves no mark on your credit.
- 2
Hour 1–4
We read the file
We work out which lenders in the network write your industry, your state and your revenue band — and which would decline, so your file does not go there.
- 3
Hour 24
Offers come back
You see them side by side with the total cost of each stated in dollars, not percentages. That comparison is the part most brokers make difficult.
- 4
Hour 72
Funds land
You take one offer or none. Walking away costs nothing, and the lender pays us only if you fund — you pay us nothing either way.
Application to funded
Who you’re dealing with
We’re brokers, and we say it out loud.
We are a financing marketplace, not a lender. We do not make credit decisions and we do not fund deals. Lenders in our network do both.
A lender pays us when your deal funds, which leaves us exactly one job: find the offer you will actually sign, and not waste your week on the ones you will not. It also means we have no reason to push you toward the most expensive product on the shelf — a deal that funds and gets repaid is worth more to us than one that funds and goes bad.
FAQ
The questions worth asking any broker.
- What does it cost to use you?
- Nothing. The lender pays us a commission when a deal funds. You are never invoiced, and there is no fee to apply or to receive offers. If anyone in this industry asks you for an upfront fee, that is a recognised advance-fee scam.
- Will I get flooded with phone calls?
- No. Your file goes to the lenders that fit your business, not to everyone with a phone, and we do not sell your number as a lead. This is the single most common bad experience in this industry and it is worth asking any broker directly.
- Do you run a credit check?
- Applying results in a soft review only, which leaves no mark. A hard pull happens later and only if you accept an offer from a lender that requires one — and you will be told before it happens.
- What do I need to have ready?
- Three to six months of business bank statements covers most applications. You do not need them to start, but producing them is almost always the slowest step, so having them to hand is the biggest thing within your control.
Guides
Guides on this
What is the fastest way to get working capital?
A merchant cash advance or short-term working capital loan, both of which fund in one to three business days. Decisions often come back the same day. The slowest part is almost never underwriting — it is producing three to six months of business bank statements, which is the one step entirely within your control.
Can you get a business loan after only 8 months?
Yes. Six months of trading is the threshold most revenue-based funders use, so at eight months you clear it. Banks and SBA lenders will still decline — they want two years — but merchant cash advances, working capital loans and equipment financing are all available.
Does applying for business funding hurt your credit score?
Checking your options does not. Most business funding applications begin with a soft review, which leaves no mark on your credit report and is invisible to other lenders. A hard pull happens only later, if you accept an offer from a lender that requires one — and you should be told before it happens.
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K