How it works
A clear path from request to comparing real offers
We are a referral partner, not a lender. Our job is to get your business in front of the funding partners whose criteria it actually fits, with the documentation they need — so you can compare genuine options instead of guessing.
The process
Four steps
We have not put timelines on these steps. How long each one takes depends on your documentation and on the partner reviewing it, and we are not willing to promise you a date we do not control.
Submit a short request
A single page, about two to three minutes. You tell us how much funding you are looking for, what it is for, and the basics of your business. There is no cost and no hard credit inquiry to submit it.
Talk it through with our team
Someone from our funding team follows up to understand your situation, answer questions, and tell you plainly what we think is realistic for a business like yours. If we do not think we can help, we will say so.
Assemble your documentation
We give you a checklist specific to your situation — entity details, bank statements, revenue history — and help you put it together properly. Incomplete files are one of the most common reasons an application is set aside before anyone really reads it.
Get matched and compare offers
We submit your file to the partners in our network whose criteria it fits. Any offers come back from those partners directly. Amounts, rates, terms and the approval decision are theirs alone — you compare what comes back and decide.
What partners look at
What generally affects a funding decision
Every funding partner weighs things differently, and none of them publish a formula. These are the factors that come up most often. Being strong in one area does not guarantee an approval, and being weak in one does not rule you out.
Credit profile
Both business and personal credit are usually reviewed. Some partners in the network work with lower scores; others do not. We will tell you where you realistically stand before anything is submitted.
Revenue and cash flow
Partners look at real deposits and real revenue history in your bank statements to judge whether the business can service the funding.
Time in business
A longer operating history opens more options. A shorter one narrows the field but does not close it — some partners work with newer businesses.
Documentation quality
This is the part you and we can most directly control. A complete, organised, accurate file gets a real review. An incomplete one often does not.
Entity and industry
How your business is structured, and what industry it operates in, determine which partners can consider it at all.
Use of funds
What the money is for affects which products fit — a line of credit, a term loan and an SBA product are not interchangeable.
Straight answers
What we do and do not do
- We do match your business against a network of funding partners rather than a single lender.
- We do help you assemble and organise the documentation partners ask for.
- We do tell you honestly when we do not think we can help.
- We are compensated by the partner network, which is why there is no cost to you.
- We do not lend money or make approval decisions.
- We do not guarantee funding, an amount, a rate, or a timeline.
- We do not repair credit or dispute items on your credit report.
- We do not charge you an upfront fee to be matched.
Ready to see what fits your business?
Start with a free, no-obligation request. It costs nothing to find out.
Get Your Free Funding Proposal
No cost to start · Partner terms disclosed in writing · Not all applicants will qualify