Bank statements from the past three months and a driver's license cover most working capital deals. If you're after SBA 7(a) financing, add two years of tax returns, a profit-and-loss statement, and a business debt schedule. Equipment financing usually wants an invoice or quote for the machinery. We've closed deals for contractors in Broadmoor with nothing more than six months of statements and a signed purchase order. The faster you gather documents, the faster we get matched to a lender who says yes.
After You Submit Your Application
Once we receive your documents, we review them for completeness within one business day. Then we reach out to our lender network with your profile. Most business lines of credit and invoice factoring arrangements produce term sheets inside 48 hours. SBA files take two to four weeks because of federal underwriting layers. We call you the moment a lender commits, explain the terms in plain English, and coordinate closing. If you operate in South San Francisco or Brisbane and need to sign in person, we schedule it. If you're in Pacifica and prefer overnight mail, we ship the packet.