Documents
Short list, and every item on it has a reason. Sending them together is the single biggest thing you control about how fast this moves.
✓ Checking what you qualify for does not affect your credit score.
| Document | What it proves |
|---|---|
| Bank statements | Real deposit volume and consistency — this is what the offer is sized against |
| Photo ID | Identity and ownership percentage |
| Voided check | That funds land in the business account, not a personal one |
| EIN and legal name | That the entity matches the bank account and filings |
| Existing positions | How much of your daily deposits are already committed |
Almost every delay traces to one of four things, and all four are avoidable.
No tax returns, no financial statements, no projections and no business plan. Those belong to bank and SBA applications. Funding underwritten on deposits does not need them, which is why it moves in hours rather than weeks.
Three to four consecutive months, complete, downloaded as PDFs from your bank.
Not for deposit-underwritten funding. Larger or longer-term requests can ask for more.
Send statements for the account where revenue actually lands, and say if deposits are split across accounts.
No. Checking what you qualify for does not affect your personal credit score.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
