How to
Six steps in the right order. Doing them out of order is what leads to overpaying or being declined for something avoidable.
✓ Checking what you qualify for does not affect your credit score.
| Step | Do this | Why the order matters |
|---|---|---|
| 1 | Define what the money buys and when it pays back | This decides which product, before you talk to anyone |
| 2 | Check your lead time honestly | Months means a bank; days means deposit-based funding |
| 3 | Pull three to four months of complete statements | The single biggest determinant of speed |
| 4 | List every existing position | Undisclosed positions are the top cause of stalled files |
| 5 | Apply, with documents attached | Not apply, then hunt for documents |
| 6 | Compare on total dollars repaid | Not on the headline rate |
Two in particular. Taking the first offer without asking for total repayment in dollars, which is how people end up comparing a factor rate to an interest rate and choosing badly. And borrowing less than the purchase actually costs, which means coming back in six weeks for a second position at second-position pricing.
With clean books, two years of returns and months of lead time, bank or SBA-backed funding is cheaper than anything here and you should pursue it. We do not offer SBA loans and will say so plainly rather than sell you speed you do not need.
Three to four months of complete business bank statements, a government-issued ID and a voided business check.
A decision typically within 2 to 4 hours on a complete file, with funding the same or next business day.
No. Checking what you qualify for does not affect your personal credit score.
Borrowing less than the purchase actually costs, then returning for a second position at worse pricing.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
