About us
Built by people who got tired of watching good businesses wait.
Sullivan Financing exists because of one stubborn observation: everything a working-capital decision needs is already in a business's bank statements. So the decision should take an hour — not a month of meetings.
The story
Funding desks are slow on purpose. We weren't willing to be.
Everyone on this team came from funding desks — broker shops, direct funders, underwriting back-offices. We watched the same movie every week: a real business with real revenue gets an urgent need, applies somewhere, and then... waits. Calls. Re-sends documents. Gets a teaser number that shrinks at contract. Meanwhile the supplier discount expires and the broken compressor stays broken.
The slowness was never about diligence. The statements answered every underwriting question on day one — the delay was queues, callbacks, and sales choreography.
So we built the desk we wished we'd worked on: underwriting that reads your statements the moment they arrive, an offer in writing within the hour, and a portal where you accept, verify, and sign without a single "checking in!" phone call. For bigger projects, the same file starts a term loan up to $5M — funded in weeks, not quarters.
The number in your inbox is the number we fund. That's the whole philosophy.
maximum funding
median time to an advance offer
states served
hard credit pulls to see an offer
Where we sit
Direct funder. Not a marketplace, not a bank.
It matters where your file goes after you hit submit.
| Sullivan (direct) | Broker / marketplace | Bank | |
|---|---|---|---|
| Who sees your file | Us. Only us. | Blasted to 10–40 lenders | One committee |
| What follows applying | An offer, by email | A wave of sales calls | A document list |
| Decision basis | Your bank statements | Whoever bites | Credit + collateral + history |
| Speed | Hours (advance) / weeks (term) | Days of phone tag | Months |
How we operate
Three commitments, kept on every file.
The offer is the offer
Computed from your deposits and balances, delivered in writing, funded as written — subject only to verifying your documents.
No surprise credit pulls
Applying never touches your credit. It's reviewed once, at final underwriting, after you've seen your number and asked us to proceed.
Your data stays put
Statements underwrite your file. They are never sold, shopped, or blasted to a lender marketplace — see the table above for why that matters.
The people
A desk you can actually talk to.
Judge us by the offer, not the pitch.
Five minutes, three statements, a real number in writing.
Check my offer