We underwrite cash flow — three months of bank statements, daily balance, deposit consistency. A 580 FICO with $90K/month in deposits gets funded here.
See What I Qualify ForBanks pull your credit, check your collateral, review two years of tax returns, then deny you after 6 weeks. We look at three months of bank statements. Money in, money out, consistency.
We've funded businesses with 520 credit scores. We've funded businesses turned down by every bank they tried. The question we ask is simple: does this business have reliable cash flow?
You get one rep. They handle your application, answer your questions, close your deal, and handle your renewals. No transfers. No "let me check with my manager."
When you call back six months later for more capital, they already know your business.
Total cost of capital, daily payment amount, payback period, all fees. Plain English. No origination fees that show up at closing. No early termination penalties buried on page 12.
You should be able to understand the deal in under a minute. If you can't, that's our failure.
Most businesses hear back same day. Funding lands in 24-48 hours.
That's what happens when you remove the steps that don't predict repayment. No credit pulls. No collateral appraisals. No committee meetings. Just bank statements and a cash flow review.
What we quote is what you get. If something changes between approval and signing, we tell you before you commit.
No pressure calls. No hard sells. Most merchants come back on their own because the first deal went well.
Call 855-439-0082. A person answers. Not a phone tree, not a voicemail box.