How it works
Start to funded.
Exactly what happens, what it costs, and how we get paid. If any of this is unclear, that's our failure. Call and we'll walk you through it.
- 01
Tell us what you need
Four minutes on the application, or one phone call, whichever you'd rather. We ask what the money's for, what the business brings in, and how long you've been at it. No Social Security number, no tax ID, no bank logins on this website.
- 02
We read it ourselves
Not a form that disappears into a queue. Jacob reads your file and tells you whether we can help. When the answer is no, you'll hear it the same day instead of in three weeks.
- 03
We shop our lenders
We work with a specific group of private lenders and know their criteria cold: who funds two-year-old businesses, who cares about your industry, who moves fastest. Your file goes where it fits instead of everywhere at once.
- 04
You see every offer, whole
Amount, payback, cost, term, payment schedule, and any fee, all of it before you decide. If an offer is bad we'll say so. You're never under any obligation to take one.
- 05
Funded
Once you choose and the paperwork clears, money typically lands in 24–48 hours. Equipment financing can take a little longer because the equipment has to be verified.
The part nobody explains
What a factor rate actually is.
Working capital and cash advances usually aren't priced as an interest rate. They're priced as a factor rate, which is a single multiplier on what you borrow. If a lender offers you $50,000 at a factor of 1.3, you pay back $65,000. That extra $15,000 is the whole cost. There is no separate interest calculation running underneath it.
That 1.3 is arithmetic, not an offer. We don't set rates.
Two things follow from that, and this is where people get hurt. First, the cost is fixed the day you sign. Paying it off early does not shrink it the way it would on a bank loan. Second, a factor rate is not an APR, and it usually converts to a much bigger APR number than it looks like, because the money comes back over months rather than years.
Ask any lender for the total payback in dollars, not the factor. One number you can hold up against what the money will earn you beats a multiplier you have to decode.
This kind of capital is expensive on purpose. It's fast, it's available when a bank says no, and it's priced for that. It earns its keep when it wins you a job, keeps a crew paid, or puts a machine to work. It's a bad idea when it's covering a hole that isn't going to close. We'll tell you which one we think you're looking at.
How we get paid
The lender pays us, and you should know that.
We don't charge you a fee to apply, to get matched, or to find out whether we can help. When a deal funds, the lender pays us a commission. That's how brokerages in this industry work, ours included.
We say it out loud because the obvious question is whether that makes us push you toward the lender who pays the most. Our answer: any commission that shows up in your offer will be disclosed to you in the paperwork before you sign, and you can ask us directly at any point in the process. If a broker gets cagey when you ask how they're paid, that tells you something.
What you'll need
Have these ready and this moves fast.
- Three to six months of recent business bank statements
- Basic business details: legal name, how long you've operated, what you do
- A driver's license for identity verification
- For equipment: a quote or invoice for the machine
None of this goes on the website. You'll send it directly to us once we've talked and you've decided to move forward.