From acceptance
to wire transfer.
We run the same five-step process on every accepted client. Pre-qualify, strategy, packaging, pitching, close. The team you start with is the team that closes your deal. No handoffs. No mystery.
- 01
90 seconds
90 seconds
Pre-qualify
Tell us about your business and your deal. Self-reported information only. No credit pull. No commitment. We use what you share to figure out which lenders fit your specific deal.
- Loan amount, purpose, and timing
- Time in business, annual revenue
- Self-reported credit range
- Industry, state, and business structure
- 02
30 to 45 minutes
30 to 45 minutes
Strategy call
We get on a call and go deeper. We walk through your deal, timeline, and goals. By the end you'll know exactly which loan products fit, what rate range to expect, what terms are realistic, and what documents we need.
- Match deal to specific lender products
- Rate and term expectations
- Realistic timeline to funding
- Document checklist for your loan type
- 03
4 to 10 days
4 to 10 days
Loan packaging
This is the part most firms skip. Our team builds the file lenders actually want to see. Cleaned-up financials, three-year projections, business plan refined or written from scratch, use of funds, lender-specific narrative. Timing depends mostly on how quickly you get us documents.
- Three-year financial projections
- Business plan and feasibility analysis
- Personal and business financial statements
- Use of funds breakdown
- 04
Weeks 2 to 4
Weeks 2 to 4
We pitch your deal
We pick the lender from our network most likely to fund your file and pitch your deal directly. By phone. By email. To people we know. We push back on pricing, structure, and covenants. A lender is selected within 30 days of you joining us at the latest, depending on client responsiveness.
- 250+ lender, partner, and investor relationships
- Direct lender pitching, not portal submissions
- Active negotiation on rates, terms, and covenants
- CDFI and specialty options for harder deals
- 05
1 to 4 weeks
1 to 4 weeks
Close and fund
Once you accept the offer, we stay in the deal through close. Underwriting questions, document requests, last-minute conditions. We run point on all of it. You sign, the wire hits, and you go run your business.
- Underwriting management
- Document and condition tracking
- Closing coordination
- Post-close availability for the next deal
How long it takes
Timelines, honest and specific.
Fast track
Working capital, lines of credit, equipment financing. When the deal is clean and the lender is the right fit, money can hit the account within a day.
Standard
Most SBA loans and commercial real estate. Timing depends on lender underwriting queue and how quickly we collect documents from you.
Complex
Acquisitions with seller-side coordination, construction loans, and deals that need credit repair first. We tell you upfront what to expect.
Most firms in this space send your file to a long list of lenders and wait. We pick the right lender for your specific deal, pitch it directly using relationships we've built over years, and negotiate terms on your behalf. The other approach treats your loan like a lottery ticket. We treat it like our reputation depends on it. Because it does.
Your loan amount, business stage, revenue, credit, industry, and collateral profile narrow the field. We then match your file to the lenders in our 250+ network whose underwriting box fits and whose appetite for that deal type is strongest right now. Lender preferences shift constantly. We know the shifts because we talk to lenders every week.
If credit is the obstacle, there is a clear path forward. Our credit repair partners move most clients more than 75 points within the first 30 days. The flow is straightforward:
- Pre-qualify with us at your current credit range.
- If credit is the only factor standing between you and pre-approval, we conditionally pre-approve you on the spot.
- You agree to begin credit repair, and our partners take over from there.
- Once your score is in range, we move directly to packaging and pitching the loan to the lenders that fit your deal.
There is no additional cost for the credit repair work when you ultimately fund through us.
No. Pre-qualification relies entirely on self-reported information about your credit range, which is what we use internally to match you with suitable lenders. Hard credit inquiries occur only after you have formally accepted a lender's offer, and you control when that step is taken.
Two pieces. First, a $2,500 onboarding payment covers documentation prep and the funding roadmap we build for your specific deal. Splittable if needed.
Second, a flat one-time service fee for everything that follows. We don't charge a percentage of the loan. The flat number is in writing before any work starts. We help set up a business line of credit to cover that fee so the cost stays out of your personal accounts and you keep as much cash on hand as possible.
At close, the full cost of our services gets wrapped into the loan proceeds and qualifies as a deductible business expense with the write-off documentation we provide. The total cost to you ends up being a wash.
The reason we use a flat fee instead of a percentage is alignment. Our incentive is getting your deal across the line, not inflating it. Every cost is known in writing. Nothing comes out of pocket. Nothing surprises you at the wire.
It depends on the loan type and how quickly we get documents back from you.
- Working capital and lines of credit: as fast as 24 hours.
- SBA loans and commercial real estate: 6 to 10 weeks on average.
- Acquisitions, construction, and credit repair deals: 8 to 12 weeks typically.
We tell you upfront what timeline to expect for your specific deal.
$50,000 to $15,000,000 is our standard placement range, covering everything from working capital lines to eight-figure acquisition financing.
Deals above $15 million are possible, but they require a different process. We do significantly deeper due diligence on credibility, creditworthiness, capital requirements, and deal structure to confirm it's a fit before we accept it. Below $50,000, we'll usually refer you to someone better suited.
All 50 states.
Let's get you funded
Capital is closer
than you think.
The pre-qualify form takes about 90 seconds and gets you to a real answer from our team. Tell us what you are working on, and we will tell you what is possible.
About 90 seconds to complete, no credit pull, and no commitment to continue past the strategy call.