For businesses facing a cash shortfall
A cash crunch calls for a clear head, not a countdown timer.
If payroll is close or a gap has opened between money out and money in, the worst move is grabbing the first offer with the loudest urgency. The right move is a facility sized to the gap, priced in writing, with a payment your deposits can actually carry.
The shortfalls we see most
Most cash crunches in fundamentally sound businesses trace to timing, not failure. These are the patterns that cross our desk weekly.
- Receivables timing
Your customers pay in 45–90 days; your payroll and suppliers want money every week. The revenue is real — it's just not here yet.
- Seasonal trough
Predictable slow months that this year ran deeper or longer than the cushion you'd set aside.
- A large customer paying late
One anchor account slipping 60 days can starve an otherwise healthy business. Strong receivables from a slow payer are still strong receivables — that's a collectability question, and it's the biggest part of how we underwrite.
- Growth outrunning cash
New orders require inventory, hires, or equipment before the revenue lands. Growing broke is a real condition.
- An unplanned expense
Equipment failure, a repair, a tax bill. A one-time hole in an otherwise steady cash flow picture.
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
When short-term capital is the wrong answer
Funding fixes a timing problem. It does not fix a margin problem. If the business loses money every month, borrowing adds a payment to a business that already can't cover its bills — and we'd be collecting from a company we helped sink. We decline those files, and we'll tell you that's why.
If your shortfall is a timing gap backed by real receivables or reliable revenue, that is exactly the file we fund, and we can move quickly — decisions in one to two business days. Quickly, but never so fast that you don't see every number in writing first.