Answers, straight

A broker responds to every scenario within 1 business day — program fit plus the short doc list we’ll need. Once your docs are in, your file goes to matching lenders and term sheets follow; the docs control that clock.

It depends on the complexity of your scenario and the capital product involved. Many deals close within 10–21 days. More complex structures or larger deals can take 30–45 days. We'll give you a realistic timeline upfront so there are no surprises.

Primarily small to mid-sized businesses and real estate investors in the U.S. — commercial real estate investors, business owners acquiring or refinancing property, and operators who need growth capital. We work best with borrowers past the early startup phase; if you're earlier stage, we'll have an honest conversation about what options may or may not be available to you.

No. We earn a broker fee at closing, paid by you or the lender depending on the deal structure, and disclosed in a written broker agreement before your file goes to any lender. You never pay anything before your loan funds.

You don't need perfect credit. Credit is one factor, but it's rarely the only one — business cash flow, asset value, operating history, and the strength of your scenario all play a role. SBA and CRE deals typically want 680+; bridge and hard money are more flexible because the asset and exit strategy matter more; DSCR loans focus on property cash flow.

Probably. Banks have rigid box criteria. We're not a bank and we don't lend our own money — we access a network of 70+ lending sources, including alternative lenders, private lenders, and debt funds that underwrite differently. We work for you, not the lender. Submit your scenario and we'll tell you honestly what we can do.

We broker deals nationwide. SBA programs are available in all 50 states. Bridge, DSCR, and CRE deals depend on the specific lender, but coverage is broad.

SBA deals start at $50K. Most programs run from $100K–$500K minimums up to $20M for the right deal. For anything below $50K, we may not be the right fit.

Not necessarily. You can submit a scenario for a deal you're evaluating — we'll give you a rate/term indication so you know your financing before you sign. For bridge and hard money, we often work deal-specific, so a contract helps.

A direct lender funds the loan from their own balance sheet. A broker (us) connects borrowers to the right lenders. We take your deal directly to the lenders who close your loan type — which often means better terms than applying bank by bank. We earn a fee at closing.

No. We only handle commercial transactions — business loans, commercial real estate, and investment properties. DSCR loans cover investment rental properties (SFR, 2–4 unit), not owner-occupied primary residences.

A broker reviews your deal and responds within 1 business day with program fit and a short doc list. Once your docs are in, your complete file goes directly to matching lenders — term sheets follow, you pick, and we manage the process through to close.