How it works

Three short steps. Basic details about the business, roughly what you need and what it is for, and how to reach you.

Checking your options is a soft credit inquiry. It does not affect your personal credit score. A hard inquiry only happens if you accept an offer and move forward, and we tell you before that happens.

There is no fee to apply and no obligation to accept anything.

This is the part that actually determines your outcome, and it is the part most people never see.

A funding partner receives dozens of submissions a day. A complete, well-organised file gets read carefully. An incomplete one gets a fast decline or a low offer, not because the business is weak but because the underwriter cannot see enough to price it properly.

So we do the assembly work: pull the statements into the format underwriters expect, flag the things that need explaining before they get misread, and attach the documents that answer questions they are going to ask anyway.

What we come back to you for. Missing statements, a document that came through unreadable, or context for something in the account history. We would rather ask you on Tuesday than get a decline on Thursday.

We work with a network of more than 40 funding partners. They do not all want the same thing. Some will not touch trucking. Some will not go under two years in business. Some are strong on equipment and weak on unsecured working capital.

Submitting to the right five is better than submitting to all forty. Shotgunning a file across an entire network generates multiple credit inquiries and a reputation for being shopped, and it produces worse offers, not more of them.

We tell you where the file went and why.

Offers rarely arrive in comparable shapes. One will be shorter with a higher factor rate, another longer with a lower daily payment, a third secured against equipment at a much lower cost but a few days slower.

We lay them out with the numbers that matter: total payback in dollars, the payment amount and frequency, the term, whether there is a reconciliation clause, and what happens if you pay early.

Then we tell you what we would do and why. You do not have to agree.

You can also walk away. Nothing is binding until you sign a funding agreement directly with a funding partner.

The funding agreement is between you and the funding partner. We are not a party to it and we do not lend the money.

Read it before you sign. Specifically: the total payback amount in dollars, the payment schedule, whether there is a reconciliation clause, any fees deducted from the funded amount, and whether a personal guarantee or a confession of judgment is attached. If a confession of judgment is in your paperwork, have an attorney look at it.

Funds are usually deposited within 1 to 3 business days of signing.

The funding partner pays us a commission when a deal closes. You do not pay us anything, at any stage.

That is worth stating plainly because it creates an incentive you should know about: brokers get paid when deals close, which means every broker has a reason to tell you yes. Ours is a referral business in a community where reputation travels quickly, so a deal that hurts you costs us more than the commission is worth. That is the structural reason to trust the advice, and you should weigh it for yourself rather than take our word for it.

If we think you should wait, take a smaller amount, or go somewhere else entirely — including to a bank, a CDFI or an SBA lender — we will say so.