Check your rate
About 12 minutes
Soft credit pull only
Progress saves on this device
No fee, no obligation
- Your loan
- Business
- Financials
- Owner
- Review
Shape your loan
Slide, pick, and watch the honest numbers update — including what the loan costs in total, not just per month.
$10,000 $500,000
Smooth out cash-flow gaps between payables and receivables.
We likely can't help yet — and we'd rather say so now.
See what we look for and some genuinely better-fit alternatives — SBA microloans, local grants, or six months of runway to requalify.
About your business
Exactly what's on file with the IRS — it keeps verification to hours, not days.
Enter your registered business name.
Select your entity type.
Select your industry.
Nine digits — it's on your IRS letter CP-575. Demo: any digits work.
Enter a 9-digit EIN like 12-3456789.
Tell us when the business started.
Enter the business address.
Enter the city.
Two-letter code.
Five digits.
We don't lend in this industry.
It's a policy line, not a judgment — see the full list and why it exists. Industry-specific lenders will serve you better than we can.
The money picture
Rough numbers are fine — your bank statements do the precise talking.
Enter your average monthly revenue.
Enter last month's revenue.
Loans, leases, advances — everything the business pays monthly. Zero is a fine answer.
Enter 0 if none.
Select an answer.
Two or more open advances is where we stop.
Adding a third payment on top rarely ends well for the business — that's a pattern we won't fund. If consolidating the existing advances into one cheaper payment would help, talk to us about refinancing instead.
The person behind the business
Every owner with 20% or more ownership signs a personal guarantee — the acknowledgements below explain what that means before you commit to anything.
Enter your first name.
Enter your last name.
If others own 20%+, we'll collect their details after your offer — not now.
Enter a percentage from 1 to 100.
Select your role.
Enter a valid email address.
Enter a 10-digit phone number.
This consent is required to check your rate.
Please read and acknowledge the personal guarantee.
Read it back before you send it
Every figure below is what an underwriter will see. Edit anything that's off.
What happens when you submit
- A soft credit pull — no impact to your score.
- An underwriter reviews your file within 1 business day.
- Your offer will show the APR, payment and total cost of borrowing before you decide anything.
Application received
Your reference number — an underwriter would pick this up within one business day. Keep it handy if you call us.
CL-2026-00000
- 1. We review your cash flow — expect an offer or an honest no within 1 business day.
- 2. Your offer shows APR, payment and total cost, and stays open 7 days.
- 3. Accept, e-sign, and funds land in as fast as 24 hours.
This is a design sample — no application was sent and no credit was checked.
Stuck on a question, or not sure a loan is the right move at all? That's a phone call we actually want — talk to a funding advisor.
Read the hard questions