Funding for small businesses, at the speed the problem is moving.
Tell us how much you need, what it is for, and when. Three months of bank statements finish the picture. Most of the wait in business funding is paperwork sitting in a queue behind somebody else's, and that is the part we have taken out.
Money that already has somewhere to be.
Nobody applies for working capital in the abstract. There is usually a specific week, a specific bill, or a specific opportunity behind it, and it is nearly always one of these.
- Payroll, and the gap before invoices clear
- The work is done and the money is coming, but the staff get paid on Friday and the client pays in forty-five days. This is the most common reason a healthy business runs short.
- Stock, materials, equipment
- Buying ahead of a season, taking a volume price while it is on the table, or replacing the machine that has started deciding what you can take on.
- A job bigger than your float
- The contract you can win but cannot fund out of cash flow, and the hire or the second location that comes with it.
Three steps, and you can stop at any of them.
Nothing is committed until you sign, and applying does not oblige you to take what is offered.
The application
How much you need, what it is for, when you need it, and the basics of the business: what it does, how long it has been running, and what a typical month brings in.
Three months of bank statements
This is the part that does the real work. Recent statements show how the business actually runs, which is both a fairer read than any single number on a form and the reason we can move without going back to you for another six documents.
A quick answer you can act on
What we can do, on what terms, in writing. Files do not sit with us waiting for a committee. If the answer is no, you hear that plainly and early, rather than working it out from silence.
What the application asks you for.
All of it is ordinary, and none of it needs an accountant to answer. Most people finish in one sitting.
- The business: name, EIN, structure, and where it operates
- How long it has been running, and revenue in a typical month
- Whether you are already making payments on other funding
- Owner details, and a signature from someone who genuinely owns the business
- The last three months of business bank statements
The question about existing funding matters more than people expect. Tell us either way; it changes what actually makes sense for you.
Start the application.
It takes a few minutes and asks only what we need to give you a real answer. If funding turns out not to be the right instrument for what you are trying to do, we will tell you that too.