Service 02 — Capital Access
The capital, packaged the way lenders read it.
Two denials usually mean the application, not the business. We rebuild the file the way an underwriter reads it — entity, revenue, deposits, credit — then take it to lenders who actually fund your profile.
At a glance
- Typical timeline
- 3–6 weeks from file review to funding
- Amounts worked
- $10K to $250K per round
- Where we work
- Nationwide, remote — banks, credit unions, alt funders
01 — Options
What we actually place.
Four product families. Which one you get is a function of your deposits, your time in business and your credit — not of what you ask for.
Business lines of credit
Revolving capital you draw against as needed, from banks and credit unions that underwrite the whole profile rather than one score.
Typical fit
6+ months operating, steady deposits, 620+ personal score
Equipment funding
Financing tied to the asset — trucks, kitchen build-outs, machinery — with terms matched to the useful life of what you're buying.
Typical fit
A specific purchase, a vendor quote, and 12 months of revenue
Revenue-based funding
A lump sum repaid as a percentage of daily or weekly card and deposit volume. Priced higher, approved faster.
Typical fit
$15K+ monthly revenue and 4+ months of deposits
Term loans & SBA-style products
Longer amortization for expansion, hiring and real estate-adjacent costs, sourced through lenders who work with smaller operators.
Typical fit
Two years operating, documented profitability, clean filings
02 — Who qualifies
You're likely a fit if:
- Six months or more of operating history with steady deposits
- A personal score you can build from — usually 600+ before we apply
- Clean bank statements, or enough time for us to help you clean them up
- A business entity and a clear use for the capital
Not yet
And not a fit yet if:
- Deposits that vary wildly month to month — there's a sequence to fix first
- Open collections on the guarantor's report that we haven't addressed
- No documentation of revenue at all; lenders need a paper trail
If that's where you are, we'll say so on the call and point you to credit repair first. Applying badly costs you inquiries you can't get back.
03 — The process
From file review to funded, in four moves.
- 01
File review
Entity documents, revenue, bank statements, existing credit. We tell you the truth about which products your profile can actually win today.
- 02
Application built
Correct classification and entity structure, clean statement packaging, and a revenue narrative that matches the deposits underwriters will see.
- 03
Lender match
We submit to lenders whose boxes you already fit — banks, credit unions and alternative funders — instead of spraying applications across the market.
- 04
Close + report
We sit in on underwriting questions until closing, then set the account up so it reports to the business bureaus and builds a real file for the next round.
Start here