How we work
From application to funded.
There are hundreds of funders in this market and almost no way for an owner to tell them apart from the outside. They publish no rates, no credit boxes, and no decline reasons. Sorting them is the job you are hiring us for.
1. You apply once — soft pull only
One application, no personal credit pull to quote. We qualify on monthly revenue: best fit is $50K+ per month and 12+ months in business. We work files from $20K+ monthly and 6+ months.
2. We package the file
This is where most applications quietly die. Funders decline for missing or messy documentation far more often than for weak numbers. We need the last three months of business bank statements and a completed application, and we present them the way underwriters expect to read them — see what funders actually look for in bank statements and what a clean stip package looks like.
3. We route to funders that fit
Every funder has a credit box: industry restrictions, time-in-business floors, minimum monthly revenue, position limits. Matching your file to the right two or three beats blasting it to thirty — which produces duplicate inquiries and worse offers. If your file fits a term loan or SBA product better than revenue-based financing, we route it there instead.
4. You compare real offers before signing
You should see total payback, remit amount and frequency, term, and any fees — not just a factor rate. Learn to read one: how to read a working capital quote and converting factor rate to an apples-to-apples cost. Nothing is committed until you sign.
Why use a broker at all
Going direct to one funder gets you that funder's answer. It is a reasonable choice if you already know they fit. What a broker adds is coverage across credit boxes and a file packaged to survive underwriting. We explain the trade-off honestly in broker vs direct funder.