The application
Apply
About two minutes, no fee, no obligation, and no mark on the owner's credit score for asking.
- No fee to apply
- Soft inquiry only
- Offers in a day
- Advisor on every file
Rather talk to somebody first? (844) 528-8696, Monday to Friday.
What happens after you apply
Two minutes, then an advisor.
Nothing is owed if every offer is refused.
Step 01
You apply
About two minutes online, with basic details about the business. No documents to start, no fee, and a soft inquiry that leaves the owner's credit score where it is.
Step 02
An advisor reads the offers
One application reaches the network and the offers come back together. An advisor goes through them with you — what each costs, how each is repaid, and which of them you should probably refuse.
Step 03
You choose, or you do not
There is no obligation to take any of them. If you do, the money is usually in the account within 24 to 48 hours.
The rate card
What the one application is priced against
| Program | Rate | Amount | Term | Funded in |
|---|---|---|---|---|
| Line of credit | From 4.5% | Up to $1M | 6 months – 3 years | 1–2 days |
| Working capital | From 4.5% | Up to $1M | Daily or weekly ACH | 1–2 days |
| Term loan | From 5.5% | $20K – $1M | 12 – 36 months | 1–2 days |
| Short-term loan | From 6% | $10K – $1M | Up to 24 months | 1–2 days |
| Equipment financing | From 8% | Up to $250K | 1 – 5 years | 1–2 days |
| Cash advance | 10% – 35% factor | $5K – $500K | Daily or weekly ACH | 24–48 hours |
A factor rate is not an interest rate and the two cannot be compared by putting the numbers side by side. A factor of 10% on $100,000 is $110,000 to repay whether it takes six months or eighteen — paying it off early does not make it cheaper. Interest does fall if the balance does.