Get Clear on
Bank Financing Before You Apply

We're not a lender — we're a financing advisory firm. We broker across 75+ banking partners to find you the best conventional bank loan. We never offer MCAs, daily payment products, or predatory lending of any kind. Every product we recommend has fixed monthly payments and transparent terms.

For conventional bank term loans and lines of credit, our average is 72-hour approval with funds in your account within 3 to 10 business days from a complete application. Our fastest funding on record is 4 days.

SBA loans take longer due to the government guarantee process — typically 30 to 45 days through our SBA-preferred lenders. The biggest factor in speed is document completeness. Your dedicated consultant provides a precise checklist upfront so nothing is missing when we submit.

No. Your initial application does not affect your credit score. We perform a soft credit check only during pre-qualification, which has zero impact on your score and does not appear as an inquiry on your credit report.

A hard credit pull only occurs after you have reviewed a formal loan offer from a specific lender and you give explicit written consent to proceed. We never pull your credit without your knowledge.

A Merchant Cash Advance is not a loan. It is an advance on your future receivables collected through daily or weekly ACH withdrawals from your bank account — regardless of how your revenue is performing that day.

The core problems with MCAs:

• Factor rates of 1.2x to 1.6x translate to effective APRs of 60% to 350%+
• Daily withdrawals drain cash flow whether your revenue is up or down
• Repaying them does not build your business credit history
• Early payoff offers no savings — you owe the full factor amount regardless
• Stacking multiple MCAs creates a debt spiral that is very difficult to exit

We have seen businesses losing $30,000 to $80,000 per month to MCA positions. A bank loan at 9% to 18% APR is a fraction of that cost — which is exactly why we refuse to offer MCA products.

Yes. MCA debt restructuring is one of our core specialties. Having active MCAs does not disqualify you from bank financing — it is actually why many of our clients come to us.

Here is how it works: we assess your total MCA stack, identify a bank term loan that covers the full payoff of your positions, and at funding the loan proceeds pay off your MCA companies directly. The daily withdrawals stop. You are left with one fixed monthly bank payment at a real interest rate.

Our average client saves $23,000 per month after restructuring. That is $276,000 per year flowing back into your business.

The standard package for most bank loan applications includes:

• Last 3 to 6 months of business bank statements
• Last 2 years of business tax returns
• Last 2 years of personal tax returns (for owners with 20%+ ownership)
• Year-to-date profit and loss statement
• Year-to-date balance sheet
• Business debt schedule listing all current obligations
• Voided business check

SBA loans and larger term loans may require additional items. Your dedicated consultant will provide a precise checklist specific to your loan type and lender so nothing is missing at submission.