Who came to us, what they needed, and what changed in small business lending over the past twelve months.
2025 deal flow
$16M in volume
Businesses funded to date
2,000+
Declined by a bank, funded by us
8 out of 10
Came back for a second round
Over 60%
Bank originations to small businesses fell again this year as collateral and documentation requirements tightened. Most of the owners who came to us in 2025 had already been declined somewhere else. Underwriting on deposits instead of collateral is what let us say yes to eight out of ten of them.
Progress payments and retainage on commercial jobs stretched to ninety days on average. Short lines of credit that bridge the gap between mobilization and the first draw were our fastest-growing product with trades businesses.
Once you can read a bank statement digitally, most of the delay in lending disappears. Two thirds of our 2025 clients had a decision within three hours of sending statements, and funding followed within a day.
More owners arrived carrying two or three stacked advances. Rolling those into a single payment at a lower blended cost was often the most valuable thing we did for them, and it is now the first thing our underwriters check for.
Whether it's payroll, equipment, or cleaning up stacked positions, tell us what you're working on.
No credit check to apply. A soft inquiry only when you accept an offer, never a hard pull.
Brokers, ISOs, and investors
We work directly with partners who send us business or want to fund alongside us.
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