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What actually happens

Three steps, and what each one costs you.

The only step that can touch your credit score is the last, and only if you take an offer forward.

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Three steps, and the last is the only one that touches a credit file.

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.

The application: six screens, about fifteen minutes.

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.

The offers, and which of the six each one actually is.

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.

The money, inside a day or two of accepting.

Start here

Six programmes. Start by ruling five of them out.

Most funding pages tell you what each option is good for, which is how a business ends up with a daily debit it cannot carry through a slow month. These are the same six, described by what they are the wrong answer to. If none of the six sentences below describes your situation, that programme is probably worth a look.

  1. Term Loan

    Wrong if you cannot yet size the need. Interest runs on the whole sum from day one, whether you have spent it or not.

  2. Short-Term Business Loan

    Wrong if the return is uncertain. The payments start on schedule whether the thing you funded has paid off yet or not.

  3. Equipment Financing

    Wrong if you are not buying an asset. It is tied to the thing it pays for, and the thing it pays for is normally what secures it.

  4. Working Capital

    Wrong if your takings are lumpy. Repayment is a fixed daily or weekly ACH debit, and a quiet week does not make it smaller.

  5. Business Line of Credit

    Wrong if you need the whole amount now. It is a facility to draw against over time, not a lump sum, and it is the slowest of the six to be worth opening for a one-off.

  6. Business Cash Advance

    Wrong if anything else will do. It is the fastest and the most expensive, priced as a factor rather than a rate, and settling it early does not make it cheaper.

None of this is a disqualification. A lender may well offer a programme this page has just argued against, and it may still be the right call — the point is to know which question you are actually answering before the offer is in front of you.

Apply

Six screens, about fifteen minutes.

About fifteen minutes, across six screens. One application reaches 80+ lenders, costs nothing, commits nothing and leaves no mark on the owner's credit score.

Rather talk to somebody first? (844) 527-3391.