What actually happens after you press the button

Have these four things ready

This is the whole list for revenue-based funding. Not a business plan, not projections, not a pitch deck.

1. Three to six months of business bank statements. Complete PDFs, every page, straight from the bank. Every account that revenue touches. This is the one that decides the outcome.
2. A signed one-page application. Legal entity name, EIN, time in business, monthly revenue.
3. Driver's licence for each owner with 20% or more.
4. A voided check for the account you want funded.

Having these to hand is the difference between funding in two days and funding in two weeks. The full document list is here, including what gets asked for on larger files and what nobody should ever be asking you for.

What they look at, in this order

1. Average monthly deposits across three to six months. This sets the size of any offer.
2. Negative days and NSFs. The fastest route to a decline, and the most fixable.
3. Existing positions. Payments to other funders are plainly visible in the statements.
4. Time in business and industry. Both move pricing before credit is even pulled.
5. Credit, last, and it weighs least on revenue-based products.

If that order surprises you, read what an underwriter actually reads in your statements before you send them.

Who you will be talking to

What we do not do: we are not paid per application, we do not sell your details to anyone, and nothing you read on this site was written to make a funder look better than it is.

Before you go, two things worth knowing

• The biggest offer is usually the wrong one. Funders size against deposits, and the largest number on the table is often the one that stretches the debit into the money you needed for payroll. Take the amount that does the job.
• Compare on four numbers, not the rate: total dollars back, net cash after fees, the payment amount and frequency, and the term in months. Here is why the same business gets three completely different offers and how to read them against each other.

Questions people ask at this point

Does this cost anything?

No. There is no charge to apply and no charge for anything on this site.

Will it affect my credit?

The first step is a soft enquiry, which does not affect your score. A hard pull only happens if you get to an offer and choose to move forward. We wrote up the detail in full.

How long does it take?

The form takes a few minutes. A decision on revenue-based products usually comes back the same day or the next, assuming your bank statements are complete.

What if I already have an advance?

Say so on the form. It is visible in your bank statements anyway, and disclosing it up front is treated as a sign you know your own numbers rather than a problem.

What if I am declined?

You will be told why, and the reason is nearly always one of a short list of fixable things. Nothing about applying stops you applying again once it is fixed.

Not ready yet?

That is a legitimate answer, and these are the pages worth reading first: how much you can actually get · what a factor rate really costs · why applications get declined · getting out from under an advance · how your kind of business runs