The Process
How we get you the right deal.

From the first conversation to the funding call, the process is built to create clarity. You should know what happens next, why it matters, and how your file is being handled every step of the way.

Start Your Application Why We Built It This Way
Typical funding timeline
Day 1
Application received, statements reviewed, file analyzed.
24HR
First offers usually start coming back.
48HR
Best path selected and paperwork wrapped up.
72HR
Funds can hit the account, depending on the product.
Step by Step
Five steps. No surprises.

This is the exact order we follow because structure matters. The best process is not the one with the most movement. It is the one that protects the file and leads to the strongest fit.

1
You reach out
Fill out the short application or give us a call. At this stage we only need the basics so we can understand the business, what you need, and whether there is a real funding path worth pursuing.
2
We analyze the file with CrewIQ
Before anything gets submitted, CrewIQ reviews statement behavior and builds the underwriting picture. Revenue consistency, balance behavior, NSFs, existing positions, and overall fundability all get looked at first.
Powered by CrewIQ
3
CrewShield protects your documents
Every statement is watermarked and tracked before it leaves our hands. That means your file follows a defined path instead of getting sprayed all over the market with no visibility.
Protected by CrewShield
4
We submit to the right funders
Once the file is understood, we narrow the field to the funders most likely to approve at the best structure. Quality over volume. Intentional placement over blind blasting.
5
You compare real offers and choose
Every approval gets broken down in plain English so you understand the factor, daily burden, total payback, and what the deal actually means for your cash flow before you sign anything.
What we are trying to avoid
Most problems in this space come from bad process, not lack of offers. This page exists so merchants know exactly how their file is being handled.
  • Blind submissions to too many shops
  • Approvals without a real breakdown
  • Merchants pushed into the wrong daily burden
  • Statements moving around with no tracking
The Timeline
How fast does this actually move?

Timing depends on document quality, responsiveness, and the profile of the deal, but for a clean file the process can move fast.

DAY 1
Application received and file analyzed
24HR
First offers often come back from funders
48HR
Offer selected and closing docs finalized
72HR
Funds can land in the account
What We Need From You
Simple inputs. Better outputs.

The goal is to keep the process light up front while still getting enough information to structure the file correctly.

To get started
For most deals, this is enough to begin the review and determine whether there is a real path worth taking.
  • Short application
  • Recent business bank statements
  • Basic context on what the capital is for
What can slow things down
The biggest delays usually come from incomplete docs, unclear existing positions, or slow back-and-forth after offers are already in hand.
  • Missing statement pages
  • Unclear payoff balances on existing paper
  • Waiting too long to choose between offers
Proprietary Technology
The tools behind the process.

These are the systems that make the process more intentional, more traceable, and more merchant-friendly than the standard brokerage workflow.

CrewIQ
Underwriting Intelligence

CrewIQ eliminates guesswork before the first submission goes out. It helps us understand how the file behaves so we can target the right funders and build the strongest story around the merchant.

  • Reads revenue consistency, balance behavior, deposit count, NSFs, and negative days
  • Flags position pressure and helps estimate combined holdback
  • Guides funder selection before any document leaves our hands
CrewShield
Document Protection

CrewShield is built to keep document handling clean. Statements are watermarked, tracked, and connected to a specific submission path so the merchant has better visibility into where the file went.

  • Specific funder watermarking on statements
  • Logged document trail tied to the submission path
  • Designed to reduce over-shopping and sloppy file handling
Common Questions
Things people ask before they move forward.

These are the questions that matter most when a merchant is deciding whether to take the next step.

Ready to get started?

No obligation. No hard credit pull. Just a clean review of the file and a real answer on what your best options look like.

Apply for Funding