From application to funded — at your deal's speed.
No endless paperwork, no runaround. A simple process, a real human to guide you, and honest timelines: business capital moves in days, real estate closes on a real closing schedule — and we push both as fast as they can go.
The five steps, start to funded
Checking your eligibility is free, fast, and won't affect your credit.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
What to expect, by type of deal
Business Capital
Pre-qualify: 2 minutes, no credit pull
Decision: 24–48 hours on most programs
Funding: often under a week (SBA runs longer)
Real Estate & Assets
Pre-qualify: 2 minutes, no credit pull
Term sheet: typically within days
Closing: 1–3 weeks on bridge/flip; 3–6 weeks typical for DSCR & CRE (title, appraisal, insurance)
Timelines are typical ranges, not promises — every deal is unique and final terms are set by the funding partner.
What business capital can fund
Working capital is yours to deploy where it moves the needle most. Financing a property or equipment instead? See the Real Estate & Assets side →
Equipment & Technology
New or upgraded machinery, POS systems, and tech that pays for itself.
New Locations & Renovations
Open a second spot, remodel, or refresh to drive more revenue.
Inventory & Bulk Buys
Stock up ahead of demand and capture volume discounts.
Seasonal Working Capital
Cover payroll and operating costs through the slow stretches.
Marketing & Growth
Fund advertising and campaigns that bring customers in the door.
Debt Consolidation
Replace high-cost advances with fixed, manageable payments.
Buying Out a Partner
Access the capital to take full ownership of your business.
Tax & One-Time Expenses
Handle tax bills, licenses, and unexpected costs without the strain.
What it takes to qualify
Two paths, two sets of guidelines. Secured deals qualify on the property and credit; cash-flow deals qualify on revenue and time in business.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to see what you qualify for?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
