How it works
Financing, made straightforward.
Seven clear steps take you from application to working capital. After approval, everything happens in your secure account.
The seven steps
Apply digitally
Start with a secure online application. Tell us about your business, your customers and the financing you are looking for, using information you already keep.
Provide information securely
Upload financial statements, receivables reports and supporting documents directly into the secure application rather than sending them by email.
Receive a decision
We review your business, your receivables and the customers you invoice. You receive a clear decision and, if approved, a proposal that sets out structure, advances and fees in plain language.
Activate your account
Review and sign your agreement, confirm your business bank account and invite the people on your team who need access.
Submit receivables
Upload invoices and supporting documents as you bill. Each submission shows its status as it moves through verification.
Access working capital
Approved advances are sent to your business bank account, and every transfer shows where it stands from request to arrival.
Manage your relationship online
Follow balances, payments, reserves and reports in your account, and ask Ava when you want an answer in plain language.
Is it a fit?
Financing may be a fit if
Every business is reviewed individually, and meeting these conditions does not guarantee approval.
- You sell to other businesses or to government agencies on payment terms.
- You have receivables, inventory or confirmed purchase orders.
- You need working capital that keeps pace with sales.
- You want a clear, digital financing relationship.
Preparation
What to have ready
A complete application is the fastest path to a decision.
- A current accounts receivable aging report
- Recent financial statements and business tax returns
- Recent business bank statements
- Your customer list and payment terms
- Details of existing lenders and liens
- Identification for owners and authorized signers
Questions
Frequently asked questions
How long does it take to get funded?
Timing depends on the financing structure, how complete your application is and the verification your receivables require. Once we understand your business, we will give you a realistic timeline.
What does financing cost?
Pricing depends on the structure, your customers, your volume and the terms of your receivables. Every fee is set out in writing before you commit.
Will my customers be contacted?
For invoice factoring, your customers receive payment instructions and may be contacted to verify invoices. That communication is handled professionally and in coordination with you.
Can I move from another factor or lender?
Yes. Moving an existing facility means coordinating the payoff and the release of existing liens with your current provider. We work through that process with you.
How is my information protected?
Documents are submitted through the secure application rather than by email. Our Security & Trust page explains the standards that apply and how to request documentation.
What happens after I apply?
Your application is reviewed and you are contacted about next steps. If more information is needed, you will be told exactly what and why.
Put your receivables to work.
Start with a secure digital application. We will review your business and talk through the structure that fits.