Four steps from here to funded
Most of the work is ours. Here is exactly what happens, and what it costs you to find out: nothing.
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Tell us about your business
Your name, what you do, roughly what you bring in. Two minutes, no documents.
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We take it to underwriting
We put your file in front of the underwriters who work with businesses like yours every day.
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Your options come back
You see what is on the table and exactly what it costs, in writing, before you sign a thing.
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The money lands
Pick the one that fits, sign, and the funds are on their way. Working capital often moves in a few business days.
What we need from you
To start, just the basics on the form. No documents, no credit pull, no commitment.
Once you want to move, underwriting will ask for recent business bank statements — usually three to six months. Sometimes a driver's licence, a voided check or a copy of your lease. Bigger or longer-term structures ask for more: tax returns, financial statements, sometimes a personal credit check. We will tell you exactly what yours needs, and nothing beyond it.
How documents reach us. Through a secure upload or directly to the underwriter's own system. We will never ask you to send a Social Security number, bank login or account number by text message, and you should treat anyone who does — including anyone claiming to be us — as a fraud attempt.
How fast it moves
An advance or a factoring line often moves in a few business days once statements are in. A line of credit or an equipment deal takes a little longer, and a full term loan is usually weeks rather than days. Timing depends on the structure and on the underwriter — we will give you a straight timeline for your file on day one.
How we are paid
You pay us nothing up front — not to apply, not to review, not to shop the file. No application fee, no retainer, no consultation fee. We are paid when your file closes, by the desk that funds it. Florida's Commercial Financing Disclosure Law restricts what a commercial financing broker may charge a business up front, and we would not charge you regardless.
To be straight about the economics: broker compensation in this industry is usually built into the underwriter's pricing rather than billed to you separately, so it is not the same thing as the money costing you nothing. Where our compensation affects what you are quoted, ask and we will tell you.
Because we are paid by the funding side, it is fair to ask whether that biases which one we recommend. It could, at a desk that works that way. Our policy is to show you the full range that comes back, including the option that pays us least, and to say so when the sensible answer is to take nothing at all.
What happens to your information
We share your business information with underwriters so they can tell us what they would offer — that is the service. We do not sell your information, and we never share mobile numbers or text-message consent with third parties or affiliates for their own marketing. The only others that touch them are the vendors that run our systems, under contract and only to provide those systems. The detail is in our Privacy Policy.
Find out where you stand
Two minutes, no documents, no obligation. If nothing fits, we will tell you that too.
Who you are actually dealing with
Every claim below is checkable. We would rather give you the registration number than a badge.