From first question to funded, without the runaround

1. Tell us what is happeningA two-minute intake: who pays your invoices, how much you need, your industry, and what is going on with your bank, MCA or current factor. No credit pull.
2. A specialist reviews itA person reads your file and flags anything that changes the structure: SBA liens, an existing factor, tax liens or customer concentration.
3. We route it to the right funderSmall-ticket express for $50K to $500K, direct facilities to $3MM, and larger factors and asset-based lenders from $3MM to $25MM.
4. You get a written proposalAdvance rate, fee schedule, term, minimums and every ancillary fee, in writing. Compare it with the proposal decoder before you sign.
5. Diligence and fundingTypical diligence: AR aging, sample invoices, customer verification, a UCC search, and payoff letters for any bank, MCA or factor being taken out. Clean small-ticket files can fund in about a week; larger facilities commonly take one to three weeks.

What to have ready

• An accounts receivable aging report, current
• Two or three sample invoices with the matching contracts or purchase orders
• A customer list with contacts for verification
• The most recent business tax return and year-to-date financials, if you have them
• Payoff letters for any bank line, MCA or factor being replaced

Not sure you qualify? Take the 60-second fit check.