How it works

The process, start to finish

1. Initial conversation Reach out through the site or by email. Tell us about your company, your revenue, and what you're looking to finance. An agent responds with a straight answer on whether it's something we can work with.
2. Financial review We review your company financials — revenue, operating history, and collateral — and size the facility accordingly. Secured lines are sized up to a percentage of gross annual revenue.
3. Terms & structure You receive proposed terms: facility size, rate, and length. For secured lines, your agent walks you through the security structure in detail on a call, before anything is signed.
4. Documentation & closing Once terms are agreed, definitive documents are prepared and executed, and any security arrangements are put in place.
5. Funded facility Funds are available for the full term — typically 3 to 5 years on secured lines — and you draw as your business needs.
6. Close-out When the facility matures or is closed out, any security is released back to the company.

What we'll ask for

Exact requirements depend on the size of the facility, but expect to provide:

• Recent business financial statements
• Business bank statements
• Basic company information and ownership details
• For larger facilities: collateral detail and, with written authorization, credit review of principals or guarantors

Credit reports on individuals are obtained only with prior written authorization, in accordance with the Fair Credit Reporting Act. See our FCRA Notice.