Usually three to six months of business bank statements, a government ID, a voided check, and basic business details (EIN, address, ownership). Larger requests may add tax returns or month-to-date statements.
Check my optionsRequirements
Alternative funders ask for far less paperwork than a bank. Most decisions rest on a handful of documents that you can gather in under an hour.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Approved files are usually funded the next business day.
You can apply at 500; stronger credit opens more products.
A human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
The core of every file is business bank statements, usually the last three to six months as PDFs downloaded straight from your bank. Funders read them for average deposits, daily balances, negative days, returned items and existing payments to other funders. Screenshots or spreadsheets slow things down because they cannot be verified as easily.
Beyond statements, expect a short application, a government ID for each owner with a significant stake, a voided business check or bank letter for funding, and basic business details such as the EIN and start date. Some files add month-to-date activity so the reviewer can see the current month, especially if the last statement is a few weeks old.
Banks and SBA lenders want much more: two or three years of tax returns, profit-and-loss statements, balance sheets, a debt schedule and sometimes a business plan. That is why their timelines run in weeks. If you plan to compare both routes, collect the bank-statement file first so a fast option is ready while the slower paperwork comes together.
Complete files get priced faster. Here is the kind of offer a clean file with steady deposits might see. Illustrative only.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Revenue-based or MCA | 3–6 months of statements, ID, voided check |
| Business line of credit | Statements plus stronger credit history |
| Term loan | Statements, sometimes tax returns |
| SBA loan | Tax returns, financials, debt schedule, plan |
| Equipment financing | Quote or invoice for the equipment |
Good fit:
Probably not yet:
PDFs downloaded from the bank are harder to alter and can be verified, so they speed up review. Many funders can also verify through a secure bank connection.
Usually not for revenue-based funding or advances. Some larger requests or term products may ask for them.
Provide month-to-date activity or a transaction export so the reviewer can see the current month.
Rarely for alternative funding. It helps for bank loans, SBA programs and larger requests.
Yes. Funders see them in the statements anyway, and undisclosed positions can stop or reverse an approval.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding