Why most funders say no and we do not
An open advance on your statements is an automatic decline at a lot of shops. It should not be. It means a lender already looked at this business and said yes.
What matters is whether the business can carry the combined obligation — and that is a revenue and bank-activity question, not a reflex.
Be straight about your positions
Flag every open position when you apply. It does not disqualify you, and hiding it just wastes a week — the positions show up on the bank statements anyway.
Files that disclose everything up front get decisions faster and get better terms, because we can structure around the real picture instead of discovering it in underwriting.
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
What is second position funding?
Funding that sits behind an existing advance or loan. The first lender keeps priority; the second position funder is repaid after them.
Do you fund third position?
Our products fund first and second position. Additional positions make a file significantly harder.
Can you just buy out my existing advance?
If the balance is $100,000 or less, yes.
Will you see my existing advance anyway?
Yes, it shows on your bank statements. Disclosing it up front gets you a faster and better answer.
How much can I get in second position?
It depends on revenue and the size of the existing obligation. Up to $350,000 on a line of credit.