The process

Simple. Fast.
Funded in 3 hours.

We cut out everything that slows traditional lending down. Here's exactly what happens from the moment you apply to the moment capital hits your account.

01
Takes 5 minutes
Submit your application.

Start with our one-page application. We ask for the basics: business name, owner info, monthly revenue range, how much you're looking for, and your industry. No hard credit pull yet.

Then attach 3 months of your most recent business bank statements. That's it. No tax returns. No P&L. No business plan or financial projections.

1-page application 3 months bank statements Soft pull only 500+ FICO
02
Under 60 minutes
We review. You hear back.

The moment your application is submitted, it goes directly to a live underwriter — not a queue, not an automated pre-screening bot. A real person reviews your cash flow, average daily balances, deposit frequency, and revenue consistency.

We look at the health of your business, not a number on a credit report. You'll receive a pre-approval offer — including amount, factor rate, and estimated daily payment — within one hour of submission on business days.

Live underwriter Revenue-first analysis Pre-approval < 1 hr Terms clearly explained
03
Same day if approved by noon ET
Sign & get funded.

If you accept your offer, we send a contract for e-signature. Once signed and final banking verification is complete, funds are wired directly to your business checking account — typically within 2–4 hours of contract execution.

Repayment begins the next business day. A fixed percentage of your daily card and ACH deposits is automatically collected — so payments scale naturally with how busy your business actually is.

E-signature contract Direct wire 2–4 hours to fund Repayment next business day
Requirements

What we need from you.

We keep the document list short on purpose. Time is money — yours and ours.

3 months business bank statements

Most recent 3 months, PDF preferred.

Completed application

Business name, owner info, revenue range. Takes 5 minutes.

Government-issued ID

Driver's license or passport for the primary owner.

Voided business check

For ACH setup. Confirms your business banking account.

Note: we do not require tax returns, P&L, audited financials, business plans, or collateral documentation to begin.

Qualification criteria

Who we can fund.

We work with a wide range of industries and business profiles.

$10,000+ in monthly revenue

We need consistent business income — verifiable, not perfect.

500+ FICO score

We accept what most banks won't. Revenue is the primary signal.

Active U.S. business

Registered and operating in the U.S. All 50 states covered.

No active bankruptcy

Discharged bankruptcies reviewed case-by-case.

After you're approved

Hour by hour —
what to expect.

A realistic picture of a typical same-day funding scenario, from submission to wire.

SAMPLE TIMELINE · ET
9:00 AM — Application received
Submission confirmed
You receive a confirmation email with your application ID. Your file is assigned to a specialist immediately.
9:15–10:00 AM — Underwriting
Bank statements reviewed
Your specialist analyzes 90 days of cash flow — average deposits, balance trends, NSF history, active revenue streams.
10:00 AM — Offer issued
Pre-approval sent to you
You receive your offer via email or phone: approved amount, factor rate, estimated daily payment, term length. No obligation.
10:30 AM — Contract signed
E-signature executed
You review and sign electronically. Final verification of your business bank account via voided check or Plaid.
12:00 PM — Wire initiated
Funds on the way
Wire sent to your business checking account. Funds typically clear the same business day depending on your bank.
Frequently asked

Still have
questions?

No. A merchant cash advance is a purchase of a portion of your future revenue — not a loan. This distinction matters legally and operationally. The cost of capital is expressed as a factor rate (e.g., 1.25 means you repay $1.25 for every $1.00 advanced).
Repayment is collected via daily ACH debits from your business checking account, starting the next business day after funding. We collect a fixed daily amount calculated from your revenue and approved factor rate. On weekends and federal holidays, no collection occurs.
Yes — prior MCA history is common and doesn't disqualify you. We review your current outstanding balances and factor them into our advance sizing. In some cases we can consolidate existing positions.
We fund most U.S. industries: restaurants and food service, retail, medical and dental practices, construction, auto body and repair, e-commerce, professional services, transportation, and more. Contact us if you're unsure whether your industry qualifies.
Once you've paid down 50% or more of your current advance, you're typically eligible for a renewal. Renewals are faster and often come with improved terms because we already have your file. Many clients work with us on a rolling basis.
Get started

Apply in five minutes. Funded in three hours.

No commitment. No hard credit pull. No waiting days for an answer.

Start my application Learn about us