A file, three statements, a term sheet.

This is the whole process, in the order it happens. Nothing is hidden behind a phone call.

  1. Open the file

    From the link in our email, your previous application comes up pre-filled. From the site, you start fresh. Either way it is the same fifteen questions.

  2. Confirm and add

    Change anything that moved. Add the newest three months of business bank statements; they upload while you finish.

  3. Sign

    Draw your signature. It goes on the application document our lenders receive, with the date and time.

  4. Hear back

    A complete file gets a first read within one business day and a term sheet from the matched lender in 24 to 72 hours, or a straight answer about why not yet.

What lenders read

Five signals, in this order.

  • True monthly revenue. Deposits on the statements, minus transfers between your own accounts and prior funding. Sets the ceiling.
  • Average daily balance. Every day's closing balance, averaged. Sets the cost and the term.
  • Low-balance days. Days that closed under a few hundred dollars. Decides whether daily or weekly remittance is realistic.
  • Existing obligations. Recurring debits to funders and lenders, and what you listed. New capital versus consolidation.
  • Time in business and structure. Formation date, ownership, entity. Which products and which lenders are open to you.

Open your file.

Apply for capital