How is my offer actually calculated?
From your bank statements. Our engine reads your deposits, separates true operating revenue from transfers and loan proceeds, looks at balances, NSFs, and any existing financing positions, then computes an amount and terms your cash flow can support. No credit score model at this stage.
How fast will I see my offer?
Statement review starts the moment you submit. If your PDFs are clean bank-portal downloads, your offer email typically lands within the hour. The first email comes from a sender you haven't seen before — [email protected] — so check spam or promotions and add us to your contacts.
What statements do you need, exactly?
The last three monthly statements from your primary business operating account, as PDFs downloaded straight from your bank's website or app. Screenshots and scans of paper statements slow things down; transaction exports (CSVs) don't work.
Will applying affect my credit?
No. There's no credit pull at intake and the offer itself is computed without one. Credit is only reviewed at final underwriting, after you've seen your offer and asked us to send contracts.
I already have an advance or loan. Can I still qualify?
Often, yes. Existing positions don't automatically disqualify you — the engine accounts for your current payments when sizing the offer. Heavy stacking will reduce or block an offer, because adding capital you can't service helps no one.
How much can I get?
Revenue advances run from $10,000 to $500,000, anchored to monthly operating revenue. Term loans run from $250,000 to $5,000,000, sized on cash-flow coverage, with funding in one week to two months. Stronger, more consistent deposits support larger offers in both cases.
What documents do I need after the offer?
Two: a photo or scan of your driver's license, and a voided check for the business account we reviewed. Both upload directly on your private offer page.
What happens when I request contracts?
We run final underwriting on your file and send the agreement to your email for e-signature. Funding typically follows the next business day after signature.
Is my data safe?
Statements and documents are encrypted in transit, stored with your funding file only, and never sold. Your offer page lives behind a private signed link sent only to your email.
I didn't get my offer email. Now what?
First, search your inbox (including spam and promotions) for [email protected]. If it's been more than a couple of hours, email [email protected] — most often the statements need a second look (image-only PDFs are the usual culprit) and we'll sort it quickly.