How Fast Business Funding Works
From application to funded in as little as 24 hours. Here is exactly what happens at each step.
Apply in Minutes
The application process takes about five minutes. You will provide basic information about your business — legal name, industry, how long you have been in operation, and what you are looking for in terms of funding amount. There is no lengthy business plan to write and no appointment to schedule.
After your initial form submission, we will ask you to upload or email three months of business bank statements. These statements are the primary document we use to evaluate your revenue and cash flow. Some applicants also provide three months of credit card processing statements if a merchant cash advance is the best fit.
There is no application fee. No upfront cost of any kind. You can start and finish the application from your phone.
Get Approved Based on Your Revenue
Once we receive your documents, a funding specialist reviews them. We look at your average monthly deposits, the consistency of your cash flow, the number of negative days in your account, and any existing business obligations. Credit score is checked but is not the primary driver of your approval or the offer you receive.
Most approvals happen within a few hours of receiving your complete file. If we need additional information, we will call or email you directly — we do not leave you hanging waiting for a form letter.
Once approved, you will receive a written offer showing the advance amount, the factor rate, the total repayment amount, and the daily repayment percentage. You are under no obligation to accept. Review it, ask questions, and decide on your terms.
Funds Deposited in 24 to 48 Hours
After you accept your offer, you will sign a brief funding agreement electronically. Once the signed documents are received, our funding team initiates the wire transfer to your business bank account. Most clients receive funds the next business day. Some same-day funding may be possible depending on timing.
The funds are yours to use for any business purpose — payroll, inventory, marketing, equipment, renovations, or anything else your business needs.
You will also receive confirmation of the repayment setup at this stage, so you know exactly when repayments begin and what the daily amount looks like.
Repay Automatically from Daily Sales
For merchant cash advances, a fixed percentage of your daily credit and debit card sales is automatically remitted to the lender each day your processor runs transactions. If it is a slow day, the amount remitted is smaller. If it is a strong sales day, more is collected. The total repayment amount does not change — only the pace.
For working capital loans, a fixed daily or weekly ACH amount is withdrawn from your business bank account. This amount is fixed regardless of sales volume, so planning is straightforward.
There are no late fees for slow sales periods on MCAs — the flexible repayment is a built-in feature, not a grace period. Once the full repayment amount is collected, the advance is complete and you may be eligible for a renewal.
Have more questions?
Read our full FAQ page for answers to the most common questions about fast business funding.
Ready to apply?
The application takes about five minutes. Approvals often happen the same day.
Apply Now