// The process

From first conversation to funded, in about five days.

No portal purgatory, no 40-page application, no mystery scoring. About three days to complete documentation, then about two days to money in your account. Here is exactly what happens.

The four steps

01
Day 0 · about 15 minutes

The first conversation

A short form and your recent numbers, then a call. Tell us what you are funding, how much, and what pays it back. If you have the purchase order, settlement report or invoice, attach it. If not, we will ask on the call.

02
About 3 days

The read and the documents

A decision-maker reads the business, cross-checks the numbers and underwrites the specific cash event that repays the facility. Documentation is completed in about three days from the first conversation, faster when your documents arrive quickly.

03
About 2 days after documents

The wire

Once documentation is complete, money typically lands in your account about two days later. Terms are agreed on the call and put on paper exactly as discussed.

04
Day 30 to 120 · Repeat ↻

Repay when the cash lands

The settlement or invoice payment arrives, you repay, and the facility is free again. Every clean cycle builds the relationship, and relationships are how limits grow. Need more later? Ask for a top-up.

// Come prepared

What speeds things up.

None of this is needed to start the conversation. But the faster we can see the business, the faster the three days go. Founders who send these upfront are routinely read faster.

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The reading list

▸
Last 12 months' bank statementsAll operating accounts. This is where the truth lives
▸
GST returnsThey should tell the same story your sales do
▸
Latest financials or MISProvisional is fine. We would rather see current than audited and stale
▸
The purchase order, settlement report or invoiceThe thing we are funding, in writing
▸
Cap table (Rocket Fuel)Which funds have backed you

Four steps. About five days.

The first one takes fifteen minutes.

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