Apply
Six screens, about fifteen minutes.
The form is six screens long. It takes about fifteen minutes, there is nothing to pay, and knowing that before you start is the difference between finishing it and abandoning it halfway.
Rather talk to somebody first? (844) 527-3391.
What actually happens
After the form.
The only step that can touch your credit score is the last, and only if you take an offer forward.
Step 01
The application
About fifteen minutes online, across six screens: what the business is, how long it has traded, what it takes, and what the money is for. No documents are needed to start and nothing is payable. It is a soft credit inquiry and leaves no mark on the owner's score.
Step 02
The offers
One application reaches 80+ lenders. A dedicated funding specialist goes through what comes back — what each offer costs, how it repays, and which of the six it actually is. There is no obligation to take any of them.
Step 03
The money
Once an offer is accepted the funds go to the business account. Within 24 hours on a term loan, one to two days on most of the rest, 24 to 48 hours on a cash advance. The lender may run a hard credit inquiry at this stage, which is the first point at which anything touches the owner's score.
