Speed & Process
How fast, how it works.
Most-asked questions
How fast can I get funded?
Most applications get a decision within 4 hours. Funding typically hits your account within 24 hours of approval, depending on your bank and deal type. Larger or more complex deals may take 24 to 48 hours.
What documents do I need to apply?
Three to six months of business bank statements is the minimum. Depending on the deal size and structure, we may also request a recent business tax return, a voided check, and a copy of your driver's license. We try to keep paperwork to the absolute minimum
What's the application process look like end-to-end?
Submit a one-page application and your last 3 months of bank statements. We review, run a soft underwriting check, and get back to you with a term sheet within 4 hours. Once you sign, funds wire within 24 hours.
Underwriting & Eligibility
How we evaluate your deal.
Real underwriters, real reviews
Do you check my credit score?
We may pull a soft credit check during underwriting, but credit is not the deciding factor. We focus on your bank deposits, cash flow patterns, and overall business health. Operators with mid or even lower credit scores get funded regularly.
Will you fund me if I already have other funding in place?
Yes. We layer additional capital on top of your existing funding agreements through our Layered Capital Solutions product. We assess your current obligations and remaining capacity, then structure new capital that works alongside what you already have.
What industries do you fund?
We fund operators across nearly every industry: trucking, restaurants, retail, construction, medical, auto, e-commerce, manufacturing, real estate, and more. We underwrite based on your business performance, not your industry label.
How much can I qualify for?
Our deals range from $10,000 to $2,000,000. The amount is based on your average monthly revenue, deposit consistency, and existing obligations. Most operators qualify for 80–120% of monthly deposits.
Costs & Logistics
Costs, terms, and partners.
No fees, no surprises
What does it cost to apply?
Nothing. There is no application fee and no obligation. If we fund your deal, costs are built into the deal structure — we walk you through every term before you sign anything.
What are typical repayment terms?
Terms range from 3 to 24 months depending on the product. Working capital tends to run 6–24 months with fixed monthly or weekly payments. Cash flow financing runs 3–12 months with daily, weekly, or monthly payments scaled to your revenue.
Do you work with brokers and ISOs?
Do you work with brokers and ISOs?Yes. We have a dedicated ISO channel with fast underwriting, transparent commission structures, and direct lines to our underwriters. Reach out to partnerships@ubizcap.com for details.