A realistic timeline
The application itself takes about ten minutes, and checking your eligibility won't affect your credit. From there, most decisions come back within 24 to 48 hours.
Once you're approved and you've chosen your terms, funding can land in your account in less than a week — often much faster than a traditional bank, which can take weeks or months.
What speeds it up
Have your basic business details and recent bank statements handy. The cleaner your information, the faster the review.
Respond quickly when we call to confirm details. A lot of the timeline is simply back-and-forth — when you're responsive, everything moves faster.
What can slow it down
Incomplete information, hard-to-reach owners, and last-minute changes to the amount or purpose are the most common delays. None of them are dealbreakers — they just add a day or two.
