Everything You Need to Know Before Applying
We believe in full transparency. Below you will find our underwriting guidelines, what documents you need, how the process works step by step, and which industries we serve — so there are no surprises.
Apply Now — It's FreeUnderwriting Guidelines
These are the core criteria our underwriters use to evaluate every application. Meeting these minimums gives your application the best chance of approval.
Minimum Criteria
- • 500 FICO minimum credit score
- • $4,000–$6,000 in monthly revenue
- • 4–6 income deposits per month (varies by industry)
- • At least 67% ownership required
- • Maximum 7 negative days in bank statements
Loan Terms
- • Funding amounts: $2,600 – $1,000,000
- • Repayment: Daily, Weekly, or Twice Weekly
- • Payment method: ACH
- • Repayment duration: 5–60 months
- • Tax liens over $50k must be in a payment plan
Business Criteria
- • Must have sufficient funds to handle debt load each month
- • Home-based businesses are eligible
- • Sole proprietorships OK — 1 year in business with bank statements
- • US Citizens only (permanent residents considered up to $50K)
- • No international businesses
Additional Terms & Conditions
Our Funding Process
From the moment you submit your application to the day funds hit your account, here is exactly what happens at each step — and what documents you will need.
Submit your application and bank statements. This is all we need to get started — no tax returns, no business plans required.
Documents Required at This Stage:
- Completed one-page application
- Six months of business bank statements
Our underwriting team reviews your file. Underwriting time is 24 to 48 hours. Files can take longer if there are issues on the file that keep a decision from being made.
Once approved, you will receive one or more funding offers. We present the best options available based on your revenue and business profile.
After you accept an offer, we send the contract for your review and signature via DocuSign.
Documents Required at This Stage:
- Copy of voided check for the business account that was analyzed
- Copy of driver's license for all business owners who filled out the application
Final verification is completed. A merchant interview and bank verification are standard at this stage.
Documents Required at This Stage:
- Lease Agreement / Landlord Verification
- Merchant Interview
- Bank Verification
- Other documentation may be required depending on loan amount
Funds are deposited directly into your business bank account. An email from underwriting will be sent once your file has been funded. Same-day funding is available.
What to Expect
A clear summary of timelines and key facts about the funding process.
24–48 Hours
Standard underwriting turnaround from submission to decision. Complex files may take longer.
Same-Day Funding
Once your contract is signed and closing is complete, funds can be disbursed the same day.
Soft Credit Pull Only
We only perform soft credit inquiries — your credit score will not be affected by applying.
Preferred Industries
We have extensive experience funding businesses in these industries and typically offer the fastest approvals and most competitive terms for these sectors.
Restaurants & Grocery Stores
Medical & Healthcare
Doctors, Dentists, Veterinarians, Pharmacists, Optometrists, Specialty Outpatient Facilities
Hospitality — Hotel & Motel
Spas
Wholesale Distributors
Manufacturing
Trade Contractors
Plumbing, HVAC, Roofing, Siding, Sheet Metal Work
General Automotive Repair Shops
Business Services
Financial Consulting, Management Consulting
Personal Services
Hair Salons, Nail Salons
Retail
Difficult or Ineligible Industries
The following industries are either very difficult to fund or are ineligible entirely. If your business falls into one of these categories, please contact us before applying so we can advise you on your options.
Not sure if your business qualifies? Call or text Meddi Piya at (210) 792-0343 before applying. We will give you an honest answer — no obligation.
Use Your Funding for Anything
Unlike traditional loans with restrictions on use of funds, our working capital can be used for any legitimate business purpose.
Underwriting time is 24 to 48 hours. Files can take longer if there are issues on the file that keep a decision from being made.
Ready to Apply? It Takes Less Than 5 Minutes
All you need to start is your one-page application and 6 months of business bank statements. No obligation — no upfront fees.
Questions first? We're happy to talk through your situation before you apply.