How It Works

Five steps from application to funding — built for busy business owners, reviewed by real people.

1. 1 · Apply online — about 10 minutes

   Create an account and tell us about your business, what you need, and what it will do for you. No SSN required, and checking your options never touches your personal credit score.

2. 2 · Share a few documents

   Recent bank statements are usually all we need to understand your cash flow. You can upload them right in the application, or add them later from your dashboard.

3. 3 · A real person reviews it

   No black-box algorithm. Someone who has actually run businesses reads your application — typically within 24–48 hours. If we need anything else, you’ll see the request on your dashboard.

4. 4 · Review your offer

   If approved, you’ll see the amount, rate, term, and exact monthly payment on your dashboard — in plain English, with no hidden fees. Take your time; there’s no obligation until you accept.

5. 5 · Get funded

   Once you accept, funds are deposited to your business bank account as soon as the next business day.