From first email to funds in the account
No stage of this is a mystery. Here is what we ask for, what we do with it, and the clock on each part.
The short version
Four steps, start to funded
- 110 minutes
Apply
A one-page application and four months of bank statements. You can do it from a phone, and nothing further is needed to get a decision.
- 2As little as 2 hours
Underwriting reads the file
A person, not a scoring model, reads the deposits, the daily balances and any existing obligations, then prices the advance against what the account can actually absorb.
- 3Same business day
The offer, in dollars
Amount advanced, factor rate, total to be delivered, remittance percentage and estimated term — all five on one page before you sign anything.
- 424 to 48 hours
Funds arrive
Signed agreement, a short verification call with your bank details confirmed, and the wire goes out. Remittance begins on the next business day.
What the underwriter reads
How a file is actually assessed
We are buying a share of your future deposits, so what we read is the deposits.
- Deposit rhythm. How regularly money lands, and whether the pattern holds across months.
- Average daily balance. Whether the account is worked hard but managed, or running on empty.
- Negative days and returns. A handful is normal. A pattern changes what we can do.
- Existing positions. What is already being remitted daily, so we do not stack you into trouble.
- Credit, in context. We look at it, and there is a floor of 500. It is a filter, not the decision — the deposits are the decision.
Qualifying
What you need before you start
- Time in business
- 6 monthsMeasured from the date the entity started trading, not the date it was registered.
- Monthly revenue
- $15,000Gross deposits into the business account. Steady months read better than one exceptional one.
- Business bank account
- RequiredOpen, active and in the legal name of the business. Personal accounts cannot be used.
- Personal credit score
- 500 or aboveWe do review credit and this floor is real. Above it, deposit consistency is what the decision turns on.
- Location
- United StatesThe business must be based and trading in the US. We fund in all fifty states.
Meeting all five does not by itself mean an offer — every file is underwritten on its own facts, and we decline. It does mean the conversation is worth having. We do not fund gambling, adult entertainment, firearms, cannabis, and anything unlawful.
Paperwork
Four documents, and what we never ask for
What we ask for
- Four months of business bank statementsPDFs downloaded from the bank, all pages, not screenshots or a spreadsheet export.
- Photo identification for the signerDriver’s license or passport for whoever will sign the agreement.
- A voided business checkConfirms the account the funds land in and the account remittance is drawn from.
- Proof of the entityEIN letter, articles of organization or the equivalent formation filing.
What we never ask for
- Business or personal tax returns.
- A business plan, forecast or pitch deck.
- Audited or accountant-prepared financial statements.
- Collateral, appraisals or a lien on your equipment and property.
Questions
About the process
Can I renew, and can I pay it off early?
Most accounts become eligible for a renewal once roughly two thirds of the purchased amount has been delivered and remittance has run clean. Eligibility means we will look again with current statements, not that more capital is automatic. On early payoff: the purchased amount is a fixed figure, so delivering it faster shortens the term without reducing the total. If you want a discounted early-delivery figure, negotiate it into the agreement before signing — it cannot be added afterwards.
What documents do you need?
Four months of business bank statements as PDFs, photo ID for the person signing, a voided business check and your EIN letter or formation filing. That is the whole list. We do not ask for tax returns, a business plan or accountant-prepared financials, because none of them tell us what the bank statements already tell us.
How fast is funding, really?
A complete file submitted in the morning is usually approved within two hours and funded within 24 to 48 hours of the agreement being signed. The delays that do happen are almost always the same two things: statements arriving as photographs instead of PDFs, and an open position that surfaces at verification rather than at application. Send a clean file and the clock behaves.
Which industries will you not fund?
Gambling, adult entertainment, firearms, cannabis, and any business whose activity is unlawful under federal or state law. Everything else lawful and US-based is in scope, including trades that banks routinely decline. Ask on the first call rather than after you have gathered documents; you will get a straight answer in a sentence.
Will an advance affect my ability to borrow later?
It can, so it is worth understanding before you sign. An advance is not reported as a loan, but the agreement is typically secured by a UCC filing against your receivables, and that filing is visible to anyone underwriting you afterwards. Some banks treat an open advance as a reason to decline. A clean delivery history helps — with us, on a renewal, and with others reading the file.
How is the remittance actually collected?
One of two ways, decided by how your money arrives. If your takings run through a card processor, an agreed share of each day’s batch is split off before it reaches you. If they arrive as mixed deposits, we debit an agreed daily amount from the business account by ACH, reconciled against your actual deposits. Which method applies to you is written into the agreement, and so is the percentage.