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Five things to have ready before you apply, the mistakes that stall underwriting, and what actually speeds a file to same-day funding.
Most funding delays aren't caused by underwriting — they're caused by files that arrive incomplete. Here's what to have ready so your application moves at full speed.
Have these five things ready
1. Bank statements — your most recent 3–4 months of business bank statements. This is the backbone of a revenue-based decision, and the number-one thing that stalls files when missing. If you want to know what an underwriter actually reads in them, we walk through it in what underwriting looks for in your bank statements. 2. Basic entity details — legal business name, entity type, EIN, and business start date, exactly as they appear on your formation documents. 3. A voided business check — confirms the deposit account for funding. 4. Government-issued ID — for identity verification. 5. A clear use of funds — "inventory ahead of season" or "replace the walk-in" beats "working capital". Specific uses underwrite better.
Mistakes that stall files
Mismatched names. If your legal name is "Hudson Valley Eats LLC" and you apply as "Hudson Eats", verification takes an extra round trip. Personal accounts. Revenue routed through a personal account is hard to underwrite. Consistent deposits into a business checking account are a core qualification. Guessing at the EIN. The format is 12-3456789 — pull it from your IRS letter, not memory. Overstating revenue. Underwriting reads the statements. A number that doesn't match them costs credibility and time.
What underwriters are actually reading
Preparation gets easier once you know what the statements are being read for. Four things carry most of the weight:
Average daily balance, not just total deposits. A business clearing $40,000 a month that sits near zero every night reads thinner than one clearing $30,000 with a consistent cushion. Negative days and NSF activity. A handful across four months is normal and rarely decides anything. A pattern is the most common reason a strong-looking revenue file gets sized down rather than declined. Deposit consistency. Twenty deposits a month from twenty customers is a steadier picture than one large wire. Neither is disqualifying — they're simply read differently. Existing positions. Regular fixed debits to other funders show up plainly in the statements. Disclose them. They'll be found either way, and a file that matches what you said is worth more than one that looked slightly better for an hour.
How much to ask for
Ask for what the use of funds actually requires, not the maximum you might qualify for. Estimates run 80%–150% of monthly revenue inside a $5,000 to $10 million range, so a business doing $30,000 a month is generally looking at a $24,000–$45,000 band. Asking at the top of that band for a need that sits at the bottom of it invites a longer conversation and a closer look. How much can your business actually borrow? works through the math.
What speeds things up
Complete files with clean statements routinely see same-day decisions. Signed agreements on clean files before 2pm ET can fund the same day by wire. The application itself takes about five minutes online, uses a soft credit pull with no score impact, and starts from two simple thresholds: 3+ months in business and $10,000+ in monthly revenue. If you're not certain you clear them, check what you pre-qualify for before assembling anything — it takes a minute and costs nothing. When the file is ready, start the application.