How it works

A clear path from first estimate to funding

Five steps, explained up front. You decide whether to move forward at each one.

5 steps

The process

What happens at each step

Timelines below are typical and depend on the product, the funder and how quickly documents are ready.

Step 1: Estimate

Use a free calculator to see an illustrative range. No documents and no commitment.

Typically a few minutes
Step 2: Document check

Share what you have. We tell you what funders typically ask for and what may be missing.

Typically 1–2 business days
Step 3: Specialist call

Talk through your goals, timeline and options with a specialist, in your preferred language.

Scheduled at your convenience
Step 4: Offers from funders

Where a funder is interested, you receive its offer and terms. We help you compare them.

Varies by product and funder
Step 5: Funding

If you accept an offer, the funder completes its own review, closing or contract process.

Varies; real estate typically takes longer

Typical timelines

These are general ranges, not commitments. Each funder sets its own process.

Typical time from complete documents to funding, by product.
Product	Typical timeline	What affects it
Merchant Cash Advance	Often a few business days	Bank statement review, funder underwriting
Invoice Factoring	Often 1–2 weeks to set up, faster afterwards	Customer credit checks, verification of invoices
Hard Money Lending	Often 1–3 weeks	Valuation, title, scope of work
Refinance & Construction	Often several weeks	Appraisal, plans and budget, draw schedule
International Mortgage	Often 30–45 days or more	Appraisal, title, documentation for foreign income or ITIN

What to expect from us

Plain explanations

We explain how each product works and what it costs before you decide.
Your language

Specialists serve clients in 8 languages.
No pressure

An estimate or a call is not an application, and you can stop at any time.

A free estimate takes a few minutes and commits you to nothing.