Why brokers work with us
What your merchant gets that they can't get on their own
The right bank for every file
We work with 15+ SBA banks and know which one approves which kind of business. Your file goes straight to the bank most likely to say yes, for the highest amount.
Funded in as little as 2 weeks
Because of our relationships with these banks, files move fast. A merchant applying on their own usually waits much longer.
No site audit, 90% of the time
When a business applies on its own, the bank will often audit it in person. That takes time: the bank schedules the visit when it has availability, which can be a month out. With us, 90% of files skip that step completely. When a bank does ask, photos of the business and its operation are usually enough.
We do the paperwork with the merchant
SBA paperwork is long and confusing, even for the merchant. We get on the phone with them and fill it out together, line by line. One mistake can mean an automatic decline, and a business that's been declined has a harder time getting approved later.
You know the number within 24 hours
Send four documents and you'll know what the merchant is eligible for in less than 24 hours, before you ask them to sign anything.
Your client stays yours, in writing
We sign a non-circumvention agreement with you, so we never go around you to your merchant. Your commission goes out the same day we get paid, and again every time that client funds through us.
How it works
From your file to funding
- Step 1
You send the file
The 2025 tax return, last 3 months of business bank statements, a debt schedule and the application. Use the application on our site and put your name under "Referred by", or email the documents to us.
- Step 2
Within 24 hours, you know what the merchant is eligible for
We underwrite the file and come back to you in less than 24 hours with the amount the merchant qualifies for and which bank fits.
- Step 3
The merchant signs our fee agreement
Once you know the number, you have the merchant sign our fee agreement. There's no cost to them unless the loan funds.
- Step 4
We take over from there
We get on the phone with the merchant, fill out the SBA paperwork together, and prepare the full loan package. You don't need to be on these calls. You and the merchant both get an email update every time the loan moves forward.
- Step 5
We submit to the right bank
The package goes to the bank best suited to that specific file. Funding can happen in as little as 2 weeks.
- Step 6
You get paid the same day
When the loan funds, your commission goes out the same day we get paid. When that client funds through us again, you get paid again.
Questions
What brokers ask us
Will you go around me to my client?
No. We'll sign a non-circumvention agreement with you: a written promise that we won't go around you and work directly with your merchant. The client stays yours, and you get paid every time they fund through us.
Which deals should I send?
Businesses that have been operating for at least 2 years, need $150K to $5M+, and turned down your offer, want a lower payment, or need more than you can fund.
What do I need to send?
Just the four items in Step 1. That's enough for us to tell you what the merchant qualifies for.
What does the merchant need to qualify?
At least 2 years in business, a credit score of 650 or higher, and a filed 2025 tax return.
Will the bank visit or audit the business?
90% of the time, no. If a bank does ask, photos of the business and its operation usually satisfy it.
How fast will I know what my merchant qualifies for?
Within 24 hours of receiving the documentation.
How fast does it fund?
In as little as 2 weeks once the file is complete.
Does my client need collateral?
Not for loans under $350,000. Loans above $350,000 require collateral.
How and when do I get paid?
Your commission goes out the same day we get paid. We agree on your commission split on our first call, before you send a file.
Do I need to be on the calls with the merchant?
No. Once the fee agreement is signed, we take over and do everything with the merchant ourselves, so your time stays free.
Will I know what's happening with the loan?
Yes. You get the same email updates as the merchant, every time the loan moves forward.
Is there a minimum number of deals?
No. Send one file a year or one a week. There's no minimum to stay a partner.
Our promise to partners
We're here for the long run
We value your business, and we treat every partner that way. Your client stays your client. We're not here for one deal; we're here to build a long-term partnership, file after file.
We know trust is earned. Start with one or two files. Once we get them funded, we can grow from there.