How it works
A process built to protect your file, not to shop it around.
Most owners get declined because their file went to the wrong lender in the wrong shape. We fix both before anything is submitted, and we never blast an application across a marketplace where every lender pulls credit.
How it works
Three steps. No application until it's worth filing.
Most funding sites push you into a form and sell the lead. We start with a conversation, because the right product depends on facts a form can't capture.
- 01
Funding readiness consultation
15–20 minutes, by phone
An advisor reviews your revenue, credit position, existing debt and timeline. No documents, no application, no hard credit pull. You leave the call knowing which products you actually qualify for today.
- 02
Your funding strategy
Same or next business day
We build a written plan: the specific programs to pursue, in what order, the realistic amount and cost of each, and what to fix first if a stronger approval is 30 days away.
- 03
Placement and close
24 hours to 90 days by product
We package your file, submit to the right lenders rather than every lender, negotiate terms, and stay on the file through funding. You get one point of contact, not a call center.
What we will not do
- Charge an advance fee before a dollar is funded.
- Submit your file to a marketplace that triggers multiple hard pulls.
- Stack a second or third merchant cash advance on top of an existing one.
- Quote a rate we have not verified with the funding source.
- Place a deal that we would not take ourselves in your position.
Questions
Questions owners ask first
- No. The readiness review is a conversation and a soft look at your profile. Hard inquiries only happen when you approve a specific submission to a specific lender.
- Nothing up front. We are compensated by the funding source when a deal closes, and any cost is disclosed in writing before you sign anything.
- Your approximate monthly deposits, any existing advances or loans with their balances and payment frequency, a rough credit range, and what you intend to do with the capital.
- Revenue-based options fund in 24 to 72 hours. Consolidations typically take 3 to 10 business days. SBA files run 45 to 90 days, or two to four weeks on Express.
- No hard credit pullConsultations use a soft review only.
- No upfront feesWe're paid by lenders on funded deals.
- One advisorNot a call center or a lead marketplace.
- Your data stays hereWe never sell or resell your information.
Twenty minutes now can save you a year of expensive capital.
No cost, no credit impact, and a written plan either way.
Free consultation · No hard credit pull · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST