Working capital in days, not bank weeks.

Your file is typically in front of funders within hours. Most go out the same day. First offers typically land within one business day. Funding is a separate step: once you accept and sign, the funder wires funds directly to your business account, on their timeline, not ours.

Last 4 complete months of business bank statements plus your current month-to-date statement, a voided business check, a copy of your driver's license, and the completed application. Some deals also need your most recent business tax return or landlord verification. We tell you upfront if so.

Often, yes. Several of our funders take files with multiple open positions, and consolidation is sometimes an option. Position count and daily payment load get reviewed by a person on every file, so the honest answer is: send it and we'll tell you straight.

Nothing. No application, processing, or origination fees upfront. If you accept a funding offer, closing costs are deducted from the funded amount, never paid out of pocket beforehand.

No. These advances are unsecured. Your revenue is the underlying asset. A UCC-1 filing is placed at funding, which is standard in the industry, but no specific collateral is pledged.

Yes, often. We weigh cash flow more heavily than personal credit, and we work with scores from 450. Bankruptcies discharged more than 12 months ago are typically fine. Open bankruptcies cannot be funded.

Your application travels encrypted and is shared only with the specific funders we submit your file to. Never with marketing partners. We comply with applicable state financing disclosure laws.