Working capital for your business.

Applying involves no hard credit pull. We work off your application and bank statements, and your score is whatever you tell us. Credit checks come later, during final underwriting, under the authorization you sign. You see the cost and terms of any offer first.

You don't have to know before you apply. One application covers every option. We read your bank statements and match you to what your deposits support: an advance, a line of credit, or a term loan.

Your file is typically in underwriting within hours. Most move the same day. First offers typically land within one business day. Funding is a separate step: once you accept and sign, the funds are wired directly to your business account.

Last 4 complete months of business bank statements plus your current month-to-date statement, a voided business check, a copy of your driver's license, and the completed application. Some deals also need your most recent business tax return or landlord verification. We tell you upfront if so.

Often, yes. We take files with multiple open positions all the time, and consolidation is sometimes an option. Position count and daily payment load get reviewed by a person on every file, so the honest answer is: send it and we'll tell you straight.

Nothing. No application, processing, or origination fees upfront. If you accept a funding offer, closing costs are deducted from the funded amount, never paid out of pocket beforehand.

Usually not. Advances and lines of credit take no real estate or equipment pledge. Your revenue is what underwriting leans on. Most providers file a UCC-1 at funding and many take a personal guarantee, and you see every term before you sign.

Yes, often. We weigh cash flow more heavily than personal credit, and we work with scores from 450. Bankruptcies discharged more than 12 months ago are typically fine. Open bankruptcies cannot be funded.

Your application travels encrypted and is shared only with the people who need it to underwrite and fund your deal. Never with marketing partners. We comply with applicable state financing disclosure laws.