Here's exactly what happens after you hit submit, how long each stage takes, and what you can do to make it faster.
You complete the form or call and we take it verbally. This is a soft review — nothing touches your credit report and there's no obligation attached. What we're capturing is enough to know which lenders to even look at: what you're funding, how fast you need it, roughly what your deposits and credit look like.
Travis Wright reads the file personally. He's looking at the things that actually decide outcomes: deposit consistency, average daily balance, NSFs and negative days, existing positions, industry, and whether the amount you asked for is the amount your file supports. Then he calls — to fill gaps, correct assumptions, and tell you straight what's realistic.
Three to six months of business bank statements, downloaded as PDFs directly from online banking. This is the single biggest lever you control. Files that send clean statements the same day routinely see offers a full day ahead of files that send phone photos a week later. Larger or cheaper programs add financials and returns.
Your file goes to three to six funders selected because their criteria genuinely match it — not to everyone with an inbox. Targeted routing protects your file and produces a much better hit rate. A decline from one is simply information about which door to try next, not the end of the process.
Every offer arrives on one comparison: amount, rate or factor, term, payment frequency, total repayment in dollars, effective APR, origination fees and prepayment language. Including the offers that pay us less. If two are close, we'll tell you which one we'd sign and why.
You choose, sign electronically, complete a short verification call with the funder, and the money moves by wire or ACH. Working capital and advances often land the same day. SBA and real estate follow a longer closing path with their own milestones, which we'll map for you in advance.
Measured from a complete file — statements included — not from when you submitted the form.
| Program | Decision | To funding | What slows it down |
|---|---|---|---|
| Revenue-based advance | 2–6 hours | Same day – 48 hrs | Undisclosed positions |
| Working capital | 24 hours | 1–3 days | NSFs and negative days |
| Equipment financing | Same day under $150K | 1–5 days | Missing vendor invoice |
| Line of credit | 24–48 hours | 2–5 days | Inconsistent deposits |
| Term loan | 24–72 hours | 1–5 days | Missing financials |
| Invoice factoring | 2–3 days | 3–7 days to set up | Customer credit review |
| Real estate investor | 24–48 hours | 7–21 days | Title and appraisal |
| SBA 7(a) / 504 | 1–2 weeks | 45–90 days | Document turnaround |
Almost every delay we see is one of these. Handle them before you submit and you'll be ahead of most files on the desk.
Standard package for most fast programs.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score
