Talk to the person who will actually underwrite your deal.

Before you apply, an underwriter looks at your cash flow and shows you a few ways to structure the deal. No fee, no obligation.

How it works

  1. Send us your bank statements

    The last four months is enough. Upload them or email them; no tax returns or business plan.

  2. An underwriter calls you

    Usually the same day. They want to know what the money is for, how your revenue moves through the month, and what you already have open.

  3. You get options side by side

    A term loan, a line, a revenue-based advance, or a consolidation, each with the real cost over its life so you can compare.

  4. Pick one and get funded

    Sign electronically and funds are wired in as little as 24 hours. Payments are matched to how your business actually gets paid.

Start with your bank statements

Who qualifies

Monthly deposits
$5,000 or more
Time in business
6 months or more
Credit score
500 and up, varies by product
Collateral
Not required
Paperwork
Four months of bank statements
Location
US-based businesses

Most businesses that clear these thresholds get at least one offer. If you are close but not quite there, call anyway. We would rather tell you what to fix than have you guess.

The products a plan can include

Your plan might be one of these or a combination. Click any product to learn how it works.

Product Amount Term Repayment Cost Speed
Merchant Cash Advances $5K – $1M 3 – 18 months % of daily sales from 12% As fast as 24 hrs
Term Loans $10K – $2M 6 – 60 months Fixed monthly from 6% 1 – 3 days
Lines of Credit Up to $250K Revolving Pay as you draw prime + 1.75% As fast as 24 hrs
Consolidations $25K – $750K 6 – 36 months Single payment Lower blended cost 2 – 4 days
Cash Credit (CC) $50K – $750K 1 – 12 months Interest-only from 10.5% 3 – 5 days

Deals we've actually structured

Details changed to protect the owners, numbers as they happened.

Payroll due, retainage sixty days out

The problem

A commercial electrical contractor had an $85,000 payroll coming up every two weeks and a large retainage invoice that wouldn't pay for another two months.

What we did

We looked at three months of general contractor deposits and advanced $90,000 against them, with daily remittances sized to what the projects were actually bringing in.

The result

Kept all fourteen field techs and collected an $18,000 early-completion bonus.

Product
Merchant Cash Advance
Amount
$90,000
Funded in
18 hours
Term
9 months
How this product works

Common questions

Applying gets you an offer. A plan gets you a conversation first. An underwriter looks at your cash flow and existing positions and shows you a few ways to structure the deal before you commit to anything.
No. There is no fee and no obligation to take an offer.
No. Applying involves no credit check. We run a soft inquiry only when you first accept an offer, which does not affect your credit score, and we never run a hard pull.
Most owners hear from an underwriter the same business day and have options within a day or two. Funding after you sign is as little as 24 hours.
Tell us. Consolidating stacked positions into one lower payment is one of the most common plans we build.

Get a plan, not a pitch.

Send your statements and an underwriter will call you the same day to walk through your options.

Send your bank statements Talk to an underwriter

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.

Become a partner

Not sure what you need?

Run a one-minute estimate or compare every product side by side.

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