How much you need, what it's for, and how long you've been operating. Two minutes, no documents yet.
Business details and the last few months of bank statements, so we can read the file properly instead of guessing.
We take you to the partners most likely to approve, then walk you through the terms before you sign anything.
Two minutes. How much you need, what it is for, how long you have been operating. No documents yet, and no hard credit pull. This alone tells us which partners are even in play.
Usually within one business hour. We ask about the things a form cannot capture: what the money is actually for, what happened with the last lender, whether there is existing debt. Then we ask for bank statements — but only if there is something worth pursuing. If there is not, we say so on that call.
Time in business, deposit consistency, average daily balance, existing obligations. This is the part most brokers skip, and it is why applications get shotgunned to twenty lenders and come back declined.
Not all of them — the ones whose criteria your business actually meets. Fewer submissions, better outcomes, and no unnecessary hard inquiries on your credit.
We walk through what came back: the total cost in dollars, the repayment structure, what happens if you pay early, and what the fine print does. Then you decide. We do not sign anything on your behalf and we do not pressure you.
We are not a lender. We do not underwrite, we do not issue credit, and we do not hold the paper. We are paid by the funding partner when a deal closes, which means our incentive is to get you funded — so the check on that is transparency about what everything costs. If you would rather go direct to a bank, we will tell you when that is the better move.
Two minutes to start, no hard credit pull, and a straight answer about what is open to you right now.
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