What actually makes funding slow
It is rarely the lender. It is the back-and-forth: a document requested on Tuesday, sent Thursday, reviewed Friday, and a question that could have been asked at the start.
A complete file gets a same-day decision. An incomplete one takes as long as it takes you to answer.
The single biggest delay: not disclosing an existing position. It shows on the statements, and discovering it mid-underwriting restarts the process. Say it at the start and it usually is not a problem — we fund first and second position and buy out balances up to $100,000.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
How fast can I actually get money?
Same-day decision, with funding typically the next business day after you sign.
What do I need to apply?
Business details and three to six months of business bank statements.
Will applying hurt my credit?
No. Checking what you qualify for does not affect your credit score.
Can I get funded the same day I apply?
The decision comes the same day. Funding is typically the next business day.
What slows an application down most?
An undisclosed existing advance, or missing bank statements.