Thirty-second eligibility
Industry, monthly revenue, time in business, and the amount you need. You get an honest estimated range immediately. No credit pull, no impact on your consumer credit score, no obligation.
How it works
Built like an underwriting desk, not a lead form.
Start with a short estimate. If you continue, an authorized cash-flow review can use bank activity or statements to evaluate whether written terms are available.
Secure bank connection
Read-only, tokenized access through an established bank-data provider. We never store credentials and never move money from your account during review. If a connection fails, statement upload may be available as an alternative path.
Written terms before signing
If an offer is available, review the purchased amount, remittance, frequency, and applicable disclosures before signing anything.
What we look at
Cash flow, classified properly.
Revenue that's really revenue
Processor settlements, check deposits, and marketplace payouts — reconciled against gross credits, with internal transfers and financing proceeds excluded.
Existing positions
Current advances and loans identified from debits, so total remittance burden is measured against free cash flow — not guessed from a question.
Stress in context
NSFs, overdrafts, and negative days reviewed as a pattern across the cycle, not a single bad snapshot.
Trajectory
A declining balance after a large inventory purchase may have a different context from a sustained decline. A complete review can distinguish those patterns.