How it works
From application to wire in three moves.
No branch visits. No 40-page packet. No waiting three weeks to hear no. Here is exactly what happens, in order, from the minute you apply.
The process
Three moves. No guessing what happens next.
Three moves, start to finish. Each one has a clear owner and a clear timeframe, so you always know what happens next.
- 01
Apply in 2 minutes
Tell us about the business and connect or upload 3 to 4 months of bank statements. One form, one soft credit pull, no branch visit.
2 minutes
- 02
Same-day options from one advisor
A funding advisor reviews your cash flow and comes back with real offers across products, not a single take-it-or-leave-it number.
Same business day
- 03
Sign and fund in as fast as 24 hours
Pick the structure that fits, e-sign the offer, and funds are wired to your business account.
As fast as 24 hours
Behind the scenes
What happens behind the scenes.
A same-day decision does not mean a rushed one. Here is what your advisor and underwriting team are actually doing while you wait.
-
Hour 0
Application and soft credit pull
You submit the application and connect or upload bank statements. The credit check at this stage is a soft pull only, so it does not affect your score.
-
Hours 1 to 4
Bank statement review
An underwriter reads your deposits, revenue trend and NSFs, not just a credit report, to see what the business can actually support.
-
Same day
Offers across products
Your advisor comes back with options across MCA, line of credit, equipment financing and term loans, each with the total payback shown up front.
-
After e-sign
Funding call and wire
A quick call confirms the details, you e-sign, and the funding team sends the wire, typically the fastest path being same day to 24 hours out.
-
Later
Renewals and limit increases
As you build payment history, renewals, higher limits and better pricing become available without starting the process from zero.
Underwriting
What we look at, and what we do not need.
Revenue-first underwriting means the file gets read for cash flow, not just a credit score.
What we look at
- Bank deposits and revenue trend
- NSFs and overdrafts
- Time in business
- Existing advances or loan balances
- Industry
What we do not need
- Collateral for an MCA or line of credit
- A business plan
- Perfect personal credit
- A visit to a branch, because there is not one
Get ready
Documents checklist.
Have these ready before you start and the application takes about 2 minutes.
- One-page application
- 3 to 4 months of business bank statements
- Driver's license or other government-issued ID
- Voided business check
For amounts above $150,000 or a term loan, add:
- Last year’s tax return
- Year-to-date profit and loss statement
- Equipment quote or invoice (equipment financing)
- 2 min
- Application time
- Same day
- Decision speed
- 24h
- Fastest funding
- 4
- Funding products
From signed agreement to wire
Credit check
Soft pull vs. hard pull.
The two words that decide whether checking your options touches your credit score.
Every AXIS application starts with a soft pull: a look at your credit that does not appear to other lenders and does not move your score. That is the only check that happens while your advisor is shopping offers across products.
A hard pull only happens if you accept a specific offer that requires one, most commonly on larger term loans. Your advisor tells you which offers involve a hard pull before you sign anything, not after, so the choice is yours.
Straight answers
Questions owners ask about the process.
How fast can I actually get funded?
Most applicants get a decision the same business day. Once you accept an offer and sign, funding typically follows in as little as 24 hours, occasionally 48 hours for larger amounts, equipment deals or when extra documents are needed.
What is the difference between a soft pull and a hard pull?
A soft pull happens the moment you apply and never affects your credit score. A hard pull only happens if you accept a specific offer that requires one, and your advisor tells you before that step, not after.
What if my credit is not great?
Some products, including a merchant cash advance, consider scores as low as 500 because approval leans on revenue and deposits rather than credit alone. Term loans and lines of credit typically ask for a stronger score in exchange for lower cost.
Do I need collateral or a business plan?
A merchant cash advance and most lines of credit do not require collateral. Equipment financing uses the equipment itself as collateral. None of the four products require a written business plan to apply.
What happens right after I submit my application?
An underwriter reviews your bank statements the same day, an advisor calls to walk through the options that fit, and you get offers in writing with the total payback shown before you decide on anything.
Can I apply for more than one product at the same time?
Yes. One application and one set of bank statements is enough for your advisor to shop your file across all four products and bring back whichever structures you actually qualify for.
Ready to see your numbers?
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.