How it works
From a 3-minute application to money in your account
Step by step
6 steps, and you're in control of 4 of them
- 01About 3 minutes
Tell us what you need
The amount, what it's for, and a few ranges: time in business, monthly deposits, current advances. No SSN, no bank login, no credit check.
- 02Within 1 business day
Talk to a funding specialist
We confirm the details and tell you plainly what's realistic, including cheaper options if your file supports them.
- 03When you're ready
Upload bank statements
The last 4 months, through a secure link. They show funders your real deposits, which matter more than your credit score for most fast funding.
- 04Before anything is sent
Approve the funders
We name each funder whose published criteria fit your file and explain why. Your file goes only to the ones you approve, and they may check your credit when they review it.
- 05Often 1–2 business days after documents
Compare decoded offers
Every offer side by side with total payback, dollar cost, payment, term, estimated APR, fees and prepayment terms. Choose one, or walk away.
- 06Often 1–2 business days after signing
The funder verifies and funds
The funder runs its own checks, which may include a credit check and a short verification call, then sends the contract and funds your account.
What funders look at
What decides your offers
Monthly deposits
The amount and how steady it is. Offers are usually sized to deposits.
Negative days and NSFs
Overdrafts and bounced payments signal strain and lower offers.
Existing advances
Current daily or weekly debits reduce how much a new funder will add.
Time and industry
How long you've operated, and whether the funder works in your industry.
Questions
About the process
One application, many funders
Know the cost. Then decide
Tell us what you need in about 3 minutes. We compare funders that fit and show every offer with its total payback, dollar cost, payment and estimated APR.
- About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
- 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
- You approve every funder before your file goes out. No cost to apply, and no obligation to accept.