5 minutes. You need: business legal name, EIN, approximate monthly revenue, time in business, owner ID. We do not require tax returns, business plan, financial projections, or collateral documents.
This does NOT affect your credit score. Soft pull is for identity verification and general credit profile review. A hard pull only happens if you accept a final offer.
Business bank statements tell underwriting what it needs: monthly revenue, deposit consistency, average daily balance, NSF history. This is our primary source of truth — not your credit score.
Human underwriters (not just algorithms) review your file in hours. Applications received before 12 PM Pacific typically get a same-day decision. Later applications get next-business-day decisions.
If approved, you receive a detailed offer with: exact funding amount, term length, total dollar cost, payment amount, payment frequency, and all terms. No surprises, no fine print, no hidden fees.
Take time to review. There's no obligation to accept. If the terms don't work for your business, decline and pursue other options. If you accept, sign electronically.
For amounts under $50,000, same-day funding is realistic. Larger amounts typically fund within 4-24 hours. Funds go directly to your designated business bank account.
Payments via ACH directly from your designated business account. Daily, weekly, or monthly depending on the product. No prepayment penalty on most products — pay off early to save on interest/fees if you can.