Colorado Springs · United States & Canada
Get the funding question right before you apply.
9 funding products through 1 application. I'll tell you which product fits your situation, whether you clear the requirements, and I'll tell you plainly when the answer is "not yet" — because applying for the wrong thing wastes your time and gets us both nowhere.
What I actually do
The wrong product is an expensive mistake.
And that choice gets made before anything is submitted. That's where I come in — 1 call and you'll know:
- Which option actually fits what you need
- Whether you meet the requirements
- Whether now is the right time to apply
The right product the first time
9 products, and they're not interchangeable. If you're buying equipment, the equipment itself can secure the deal. Put that same purchase on a cash advance and you pay far more for it. 15 minutes on the phone sorts that out before anything gets submitted.
I'll tell you not to apply
If you don't clear the thresholds, I'll say so. I'd rather lose the application than waste your week and watch it come back declined. That's why the requirements are published right here on this page.
A person, not a call center
I'm in Colorado Springs and I answer my own phone. I'll ask what your business does and how money moves through it, because what fits a dental practice won't fit a trucking company. A form can't tell me that.
Find your fit
4 questions. Then you'll know where you stand.
Nothing here touches your credit and no email is required to see the answer. Pre-qualification doesn't require a hard credit pull with many non-bank lenders — it just gives you a realistic sense of your approval odds without damaging your score. This is the same conversation we'd have on the phone; I've put it here so you can have it at 10pm without waiting for me to pick up.
What every business needs to qualify: at least 1 year in business, $35,000 a month in revenue, and a 550 credit score. Startups are not normally funded — call me and we'll discuss your specific situation. SBA runs the other way: 2 years in business, a 680 score, and 2 years of profitable tax returns.
Before you apply
What it takes to qualify.
Published plainly, because finding this out after a declined application is a waste of your time. Checking where you stand first costs you nothing.
Everything except SBA
- At least 1 year in business
- $35,000 average monthly revenue
- 550+ credit score
- Business bank account with consistent deposits
- US or Canadian registered business
Below $35,000 a month is declined regardless of product — including equipment, where people often assume the collateral changes things. It doesn't. It is also the requirement most likely to change on its own, because it moves with your revenue. Call anyway and I'll tell you which of the 3 you're closest to and what changes it.
SBA 7(a), 504 and Express
- At least 2 years in business
- 680+ credit score
- 2 years of profitable business tax returns
- The revenue minimum still applies
- 30–90 days, or 3–8 weeks for Express
The profitable-returns requirement is the one people most often miss. If your accountant has been doing a good job of minimizing what you show, that is the thing most likely to stop an SBA file — and it takes 2 tax years to undo. Which is the argument for deciding now rather than later: if a building purchase is anywhere in your 2-year plan, the returns you file this year are the ones underwriting will read. Everything except SBA is open to you meanwhile.
Startups
- Normally not funded on their own
- Exceptions considered case by case
- Strongest case: you already own an established business
Give me a call so we can discuss your specific situation and I'll try to get you qualified. It's a real conversation, not an automatic no.
Funding options
9 products through 1 application.
You don't need to know which one you want. That's the part I do — and picking wrong is expensive, so it's worth a 15-minute conversation before anyone submits anything.
Asset securedEquipment FinancingUp to $5 million, new
or used. The equipment itself is the collateral, so credit carries less
weight here than it does on unsecured borrowing, and the money goes straight to your
vendor.
FastestMerchant Cash AdvanceFunds in 2–4 hours on a clean file, against future
receipts. The most expensive option on this page. Built for a short, dated gap
rather than for ongoing operating costs.
Same-dayWorking CapitalShort-term funding for the gap
between doing the work and getting paid for it. Revenue-qualified, and decided in the same 2–4 hours.
FixedBusiness Term LoanFixed amount, fixed payment,
a date it ends. Costs less than an advance, and the payment is fixed, so you can model
it before you sign.
RevolvingBusiness Line of CreditDraw, repay, redraw. You
only pay for what you use. The hardest product here to qualify for: underwriting looks for a
longer track record and stronger credit than the minimums suggest.
RestructureDebt ConsolidationMultiple advances replaced
with a single longer payment. Generally needs 2 or more open positions and around $30,000
outstanding to make sense.
Government-backedSBA 7(a)$25,000 to $5 million. Up
to 25 years on real estate and equipment, 10 years otherwise. The lowest-cost option on
this page, and it takes 30 to 90 days.
Government-backedSBA 504$500,000 or higher for
owner-occupied property. Structured as a bank loan covering about half the project, an
SBA-backed portion of up to 40%, and at least 10% down from you.
Government-backedSBA ExpressUp to $500,000 over as long
as 10 years, with a credit decision in about 24 hours. Funding still takes 3 to 8
weeks — a fast approval is not fast money.How it works
3 steps, and the first one costs you nothing but 15 minutes.
We talk first
15 minutes on the phone. What the money is for, what the business actually banks each month, and whether there's anything already stacked on top of it. If you're not ready, I'll tell you to wait — that's the call working properly.
1 application, then documents
5 steps, about 3 minutes. Then bank statements — the application tells you how many months. Getting those documents back is the step I'll chase you on, because a file that sits doesn’t get funded.
Underwriting takes it from there
Once your file is complete it goes to an underwriting team, and they handle the review, the decision and presenting whatever they can offer you. Amounts, rates and terms are theirs to set. Worth knowing upfront so the handoff isn't a surprise.
Start here
Stop guessing what you qualify for.
This is the short form. It tells me what you need and roughly when, and it gives me enough to call you back with something useful rather than a list of questions. The full application is 5 steps and takes about 3 minutes — you can go straight there instead if you'd rather.
Who I work with
Any industry. The same 3 requirements.
The products aren't industry-specific, and neither am I. It comes down to 3 questions.
- Have you been in business for at least 1 year?
- Does your business bring in at least $35,000 a month?
- Is your credit score 550 or better?
Yes to all 3 and the door is open. From there, every business picks from the same 9 products — the only thing that changes is which one fits you, and that's what the call is for.
Based in Colorado Springs, so I can meet locally in person — but the products are available to businesses across the United States and Canada, so distance isn't a reason not to call.
Questions
The things people actually ask.
What does this cost me?
How fast can I actually get funded?
Will this hurt my credit?
My revenue is under $35,000 a month. Anything at all?
I already have 2 advances. Am I stuck?
Why wouldn't I just go to my bank?
Is my industry a problem?
Are you the one lending me the money?
Next step
15 minutes on the phone, or apply online right now.
If you're not sure which, call. It costs you nothing, it doesn't touch your credit, and I'll tell you honestly whether it's worth applying at all — which is the part that actually saves you something.