How It Works
Fast capital without the runaround
Most businesses are funded within 2-5 business days. Here's exactly how the process works from first conversation to funding, with no surprises along the way.
Clear process. Transparent timeline. Real partnership.
The short version
The simple version
Getting working capital shouldn't feel like applying for a mortgage. We've designed our process to be fast, transparent, and as simple as possible while still being thorough.
- Initial conversations are free and low-pressure. We're evaluating fit as much as you are.
- Most decisions happen in 24-48 hours. We don't leave you waiting for committees or approvals.
- Funding typically happens in 2-5 business days from completed application. Some solutions are faster.
- We're transparent about what we need. No surprise document requests or moving goalposts.
- You'll work with real people. Direct access to decision-makers, not call centers.
Step by step
How it actually works
You reach out by phone, form, or scheduled call. We have a real conversation about your business, situation, and what you're trying to accomplish.
What we'll ask
- What industry are you in?
- What's the challenge you're facing or opportunity you're pursuing?
- Tell us about your customers and payment terms
- What are you hoping financing will help you do?
- When do you need capital?
What you'll learn
- Which financing solutions might fit your situation
- Whether we're likely a good match
- Rough estimates on terms and timing
- Honest feedback about whether we can help
This is exploratory. If we're not a fit, we'll tell you and suggest alternatives when we can.
If we're a potential fit, we'll ask you to provide basic business information so we can evaluate properly and prepare a proposal.
Every application
- Recent financial statements (P&L, balance sheet) or tax returns
- Accounts receivable aging (if applicable)
- Customer list with brief descriptions
- Basic company information
Invoice Factoring/AR Financing
- Sample invoices
- Customer payment history
Asset-Based Lending
- Inventory reports
- Equipment list
- Aged receivables detail
Purchase Order Financing
- Purchase order
- Customer credit info
- Supplier details
Government Contractor Financing
- Contract documents
- SOW
- Agency information
Equipment Financing
- Equipment quotes or invoices
- Equipment details
We'll guide you through exactly what's needed. No guessing, no surprise requests later.
We review your information, evaluate customer creditworthiness (for receivables-based solutions), assess asset quality, and determine terms.
What we evaluate
- Your customers' credit and payment history (not just your credit)
- Receivables quality, invoice amounts, payment terms
- Asset values (for ABL or equipment financing)
- Contract quality (for government contractors)
- Your business fundamentals and growth potential
What you receive
- Whether we can help (and if not, honest explanation why)
- Facility size or advance amounts
- Advance rates and terms
- Pricing and fees (fully disclosed upfront)
- Timeline to funding
- How the solution works in practice
Plain language, no jargon. You'll understand exactly what you're getting and what it costs before committing.
If you decide to move forward, we complete final due diligence, prepare documentation, and finalize the facility structure.
For smaller facilities (factoring, PO financing)
- Customer credit verification
- Reference checks (if needed)
- Straightforward agreements (10-15 pages, not 40-page contracts)
- UCC filings (if applicable)
For larger facilities (ABL, credit lines)
- Full field audit (inventory, receivables verification)
- Borrowing base setup
- Longer-form agreements
- Legal review period
We handle most of this. You sign documents and answer questions, but we do the heavy lifting.
Once documentation is complete, we fund the facility. Timing depends on the solution type.
- Invoice Factoring
- 2-3 business daysfrom verified invoices
- PO Financing
- 3-5 business daysincludes supplier setup
- Asset-Based Lending
- 5-7 business daysfield audit required
- Equipment Financing
- 3-5 business daysvendor payment setup
- Government Contractor
- 5-7 business daysagency verification
First funding takes longer (full setup). Subsequent fundings are much faster, often same day for factoring, 1-2 business days for others.
After initial funding, we become your working capital partner. This isn't transactional. We check in proactively and adjust structures as you grow.
What it includes
- Direct access to your account manager
- Same-day or next-day subsequent fundings
- Proactive check-ins and reviews
- Structure adjustments as your business evolves
- No annual fees or renewal hassles
We want you to succeed and eventually outgrow us. Transitioning to bank financing is a win. It means your business has scaled.
Timelines
How fast can you get funded?
Timeline from initial conversation to first funding, by solution type:
| Solution | Initial funding | Subsequent funding | Notes |
|---|---|---|---|
| Invoice Factoring | 2-5 business days | Same day | Fastest option. Simple verification. |
| Purchase Order Financing | 3-7 business days | 1-3 business days | Requires supplier coordination. |
| Asset-Based Lending | 7-10 business days | Same day | Field audit adds time initially. |
| AR Financing | 3-5 business days | Same day | Similar to factoring, slightly more setup. |
| Gov Contractor Financing | 7-14 business days | 2-3 business days | Agency verification required. |
| Equipment Financing | 5-7 business days | 3-5 business days | Vendor setup and equipment verification. |
These are typical timelines. Urgency and complete information can accelerate. Missing information can delay.
The difference
What makes our process different
Speed Without Shortcuts
We move fast, but we don't skip due diligence or push predatory terms. Speed comes from efficiency, not corner-cutting.
Real People Make Decisions
No committees, no loan officers passing your file to someone else. The person you talk to can approve your deal.
Transparent from Day One
We tell you upfront what we need, what it costs, and how long it takes. No surprises, no hidden fees, no moving goalposts.
Forward-Looking, Not Just Historical
We care about where you're going, not just where you've been. Customer quality and contracts matter more than perfect credit.
Structures That Adapt
As your business grows and changes, your financing can too. We're not locked into rigid terms from day one.
Common questions
Common questions about the process
For most solutions (factoring, ABL, PO financing), we focus on your customers' credit, not yours. We may pull credit for larger facilities or equipment financing, but it's not the primary factor. Bad credit doesn't automatically disqualify you.
Tell us what you have. We'll work with available information and help you gather what's missing. We're not rigid. If you don't have formal financials, we can work with bank statements, QuickBooks, or other records.
Yes. In the initial conversation, we can give you rough ranges and ballpark terms. For a formal proposal, we need enough information to evaluate properly. But you'll know approximate costs before investing time in applications.
We'll tell you honestly and, when possible, suggest alternatives. Sometimes timing isn't right. Sometimes you need a bank. Sometimes you need a different solution than what we offer. We'd rather be honest than force a bad fit.
No. Initial conversations, evaluations, and proposals are free. We only get paid if we fund you and you use the facility.
Maybe, but that's not our primary value. We compete on speed, flexibility, transparency, and partnership, not just price. If you have great bank terms, you should use them. We're here when banks can't or won't help.
We work with businesses generating $500K+ annually. Below that, it's hard to make the economics work. If you're smaller, we'll try to point you toward appropriate resources.
Generally no, unless you have contracts, purchase orders, or receivables to finance. We need some operating history and cash flow. Pure startups with just an idea aren't a fit.
Next step
Ready to get started?
Three ways to begin the process:
Talk to Us First
Prefer a conversation before filling out forms? Start with a call. We'll figure out if we're a fit and what you need.
Start the ConversationRequest a Quote
Know what you need? Fill out our quote form with basic info. We'll review and get back to you within 24 hours.
Get a QuoteSchedule a Conversation
Pick a time that works for you. No pressure, no obligation, a real conversation about whether we can help.
Schedule a CallNo obligation. No pressure.
- Initial conversations are exploratory and free
- You'll know rough costs before providing detailed information
- Formal proposals are clear and in plain language
- You can walk away anytime before signing
- We want long-term partnerships, not forced deals