(213) 204-5628 Get a free quote

The application

Get a free quote

About fifteen minutes, a soft inquiry rather than a hard pull, and no obligation to take what comes back.

  • A soft inquiry, not a hard pull
  • No fee for the quote
  • No obligation to accept

Rather talk to somebody first? (213) 204-5628.

After you press submit

What happens next.

The same four stops, whichever program the application ends up in.

Stop 1 of 4

Apply

One online application about the business: what it does, how long it has traded, what comes in each month, and what the money is for. It takes about fifteen minutes and asks for no documents yet.

  • A soft inquiry, not a hard pull
  • No fee and no obligation
Filling the application in on a tablet, from the shop floor.

Stop 2 of 4

Review

A specialist reads the application against the six programs and against what the lenders on the other end will ask. Most reviews are done within hours; a decision comes in 24 to 72 hours depending on the program.

  • Matched on the minimums each program sets
  • Questions come by phone or email
Going through the details at the desk.

Stop 3 of 4

Offer

What comes back is an offer with the amount, the term, the payment and what it costs, from the lender who will fund it. It is not binding until it is signed, and it can be read at leisure and asked about line by line.

  • No obligation to accept
  • The lender's terms, in writing
Reading the offer on the warehouse floor, where the money will go.

Stop 4 of 4

Funding

Once the offer is signed and the lender has verified what it needs to, the money goes to the business bank account. For a cash advance that is typically 24 to 48 hours after approval.

  • Paid into the business account
  • Repaid on the schedule in the offer
Back at work once the funds have landed.

The six programs

What one application can lead to

Term Loan

A lump sum and a fixed schedule, for the purchase you have already priced.

Amount
$25,000 – $500,000
Rate
Set in the lender's offer

Business Line of Credit

A limit to draw on when it is needed, and interest only on what is drawn.

Limit
$10,000 – $250,000
Interest
On the amount drawn only

Short-Term Business Loan

A smaller sum repaid within months, for a need that cannot wait for a bank.

Amount
$5,000 – $100,000
Rate
Set in the lender's offer

Working Capital Loan

Money for the running of the business — wages, rent, suppliers — without pledging what it owns.

Amount
$15,000 – $300,000
Term
6 months – 3 years

Equipment Financing

Buy or lease what the business runs on, and let the equipment secure it.

Amount
$20,000 – $1,000,000
Term
2 – 7 years

Merchant Cash Advance

Cash now against future card sales, repaid as a share of each day's takings.

Advance
$5,000 – $200,000
Repayment
A share of daily card sales