Let's point you the right way
Four questions. We'll route you to the right path for your business.
What this form does
It routes you. The four questions above decide which desk should pick up your file — financing, business credit, or protection — so you are not handed to the wrong one. It is not an application, and submitting it does not put a file in front of a funder.
What we ask, and why
- What you are trying to accomplish. Revenue-based and conventional financing are underwritten differently and go to different desks. Getting this wrong wastes everyone's time.
- Average monthly business revenue. On revenue-based products this is the number that drives what is available to you, because repayment is taken as a share of receipts.
- Time in business. Most programs carry a minimum, and a business under that line needs a different conversation rather than a declined file.
- Estimated credit profile. It changes which funders will look, not whether you can be helped. “Not sure” is a valid answer and is treated as one.
- Amount you are seeking. This sizes the request. It is a starting point, not a commitment from either side.
What happens after you submit
A specialist reviews what you entered and follows up to confirm the details and explain the options that fit. Nothing goes to a funder on your behalf until you have seen the terms and agreed to proceed. No approval, amount or rate is promised at this stage or any other — see how commercial underwriting actually works.
What you will need if you move forward
Underwriting is largely a document exercise, and the file is judged on what the documents show:
- Business bank statements — the most recent three to six, full pages rather than screenshots, and continuous with no gaps. What funders actually read in them.
- A signed application — usually the funder's own one-page form.
- Sometimes a voided check and a driver's licence.
If it is not in the bank statements, it does not exist for underwriting purposes. The stip package guide covers what quality looks like, and the requirements explainer covers who tends to qualify.
Want numbers before you talk to anyone?
The working capital pre-qualification and cost calculator gives an indicative range and explains how it is derived — including why the total dollars matter more than the factor rate. Use it first if you would rather see the shape of a deal before speaking to a person.
Common questions
Is this an application?
No. It is a routing form. An application is a separate, signed document.
What if a bank has already declined me?
That is a common starting point rather than a disqualifier, and it is why the revenue-based desk exists at all. See what to do after a bank decline.
How is this different from a bank loan?
Different product, different underwriting, different cost structure. The comparison is here.
What should I know about broker fees?
Read the Florida upfront-fee explainer before you pay anyone anything.
Jon Lynch Financial Group LLC is a broker and is not a lender. We arrange financing through third-party funders who make their own underwriting decisions. Approval, amount and rate are not guaranteed, and any figure shown before underwriting is indicative only. See our financing overview for how the process works.