The Process
Every client starts in the same place — a free funding estimate powered by our Underwriting Engine. From there, we build a roadmap specific to your situation and execute it alongside you.
Stage 1 — Free
When you submit your information and click Get My Free Funding Estimate, our Underwriting Engine immediately runs a 184-point diagnostic inspection of your complete credit and financial profile.
It doesn't just check your score. It analyzes every factor that determines how much capital you can access — and at what rate. Payment history, utilization ratios, tradeline age, derogatory items, account mix, inquiry spread, lender-specific thresholds, and product qualification criteria across all six funding categories.
The result: a precise funding estimate — what you qualify for today, what becomes available in as little as 30 days — or sooner, and exactly what's holding you back. Delivered in under 15 minutes. Zero score impact.
Stage 2 — Free
Your dedicated advisor walks through your diagnostic results and builds a customized funding roadmap based on your actual data. We go through every product that fits your profile — what's available now and what becomes available as your profile improves — and lay out a clear, sequenced plan we help you execute.
We don't just tell you what you qualify for. We tell you the order to apply, which lenders to use, and exactly how to maximize your approvals without damaging your score.
Stage 3 — Execution
For many clients, the fastest path to better funding starts with a strategic payoff. We coordinate the bridge advance, execute the balance paydowns, and track your utilization drop in real time. Most clients see meaningful score improvement within 30–45 days.
Not every client needs a payoff — if your profile already qualifies for your target products, we move straight to Stage 4. This step only happens when it genuinely moves the needle for you.
Stage 4 — Funding
Once your profile is positioned, we manage every aspect of the funding process — applications, document packages, lender submissions, and follow-up. We don't disappear after the strategy call. We're in it with you until capital is in your account.
Your dedicated Client Success Manager stays with you through every approval, account setup, and closing. We're paid when you get funded — so our incentives are completely aligned with yours.
Why Clients Choose Us
184 diagnostic points. Every factor that affects your approval, analyzed in under 15 minutes — not guesswork.
Our payoff advances carry no interim daily or monthly payments. Unlike a traditional MCA, you're not being drained while you wait for your profile to improve. Pay it back when you get funded.
You don't need five different vendors for SBA, cards, personal loans, and payoffs. One relationship handles everything.
We never run a hard inquiry without your explicit consent and a clear plan. Your score is protected throughout.
We earn when you get funded. No fee to start, no subscription, no reason to recommend something that doesn't benefit you.
Submit your information and let the Underwriting Engine run your 184-point diagnostic. Under 15 minutes. Zero score impact. Free.