For businesses that need working capital
Capital should be boring: clear terms, a payment you can carry, no surprises.
Whether you're bridging receivables, buying inventory, or funding a next step, the mechanics should be dull and the numbers should be plain. We underwrite on two things — whether the money that repays is reliable, and whether the payment fits your cash flow — and we put every cost in writing before you sign.
What businesses use the capital for
We fund working purposes with a clear path to repayment. These are the most common.
- Bridging receivables
Covering payroll and suppliers while invoices from good customers work their way to payment.
- Inventory and materials
Buying ahead of a season or a confirmed order, where the purchase itself generates the repayment.
- Equipment and repairs
Replacing or fixing what the business runs on, when waiting costs more than the money does.
- Hiring ahead of revenue
Bringing on people for signed work that hasn't started billing yet.
- Opportunity purchases
A discounted bulk buy, a competitor's book of business, a lease on the right space — timing-sensitive and self-funding.
What happens after you apply
No obligation until you sign. Here is the actual sequence, with honest timing.
- You send the basics
Last 4–6 months of business bank statements, a one-page application, and a short note on what the capital is for.
About 15 minutes of your time
- An underwriter reviews the file
A person — not a scoring algorithm alone — reads your statements and calls you with questions. This is where collectability and affordability get weighed.
Same or next business day
- You get a written offer, or a straight no
If we can't make the numbers work, we say so and tell you why. A decline from us costs you nothing and tells you something useful.
Typically 1–2 business days from complete file
- You decide on your own clock
The offer states the amount, the cost, the payment, and the term in plain figures. Take it to your accountant. We don't do expiring countdown offers.
Funding usually 1–3 days after signing
What working with us is like
An underwriter — a person you can call — reads your file and makes the decision. You get a written offer stating the amount, the total cost, the payment, and the term in actual numbers, and you're welcome to take it to your accountant before signing. We don't do pressure, countdown clocks, or offers that expire at midnight.
We built our book to perform for years, which means we only fund payments that businesses can genuinely carry. If your file doesn't support the facility you want, we'll tell you what it does support — or tell you no, plainly, and why.