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Our Process

Six steps, handled by email

Every step is driven by email. At each one you get an email showing where you are, what to do next, and how. AI handles the paperwork and analysis quickly; experienced people handle the judgment and the bank relationships. An optional secure portal is there if you want it, never required.

  1. 1Application
  2. 2Documents
  3. 3Underwriting review
  4. 4Lender matching
  5. 5Term sheet
  6. 6Closing
1

Step 1 of 6

Complete your application

After the short form at Get started, you get an email right away with your step 1 link. Pick whichever is easiest:

To move forward:

  1. Talk it through with our AI assistant (recommended). A 15-minute conversation, by voice or typing, from the link in your email. No sign-in needed; it fills in the application as you go.
  2. Or complete it in the optional portal if you prefer a form.
  3. Or download the application PDF, fill it out, and reply to the email with it attached.
2

Step 2 of 6

Send your documents

Your next email has a personalized checklist of exactly what banks will ask for, based on your application.

To move forward:

  • Reply to that email with the files attached (PDF, photos, Excel, Word). We file each one and check it off automatically.
  • Or upload them in the portal. Not sure what something is? Just ask in your reply.
3

Step 3 of 6

Underwriting review

AI-assisted analysis gets the first pass on your financials done quickly, then our team reviews them and your business in depth.

To move forward:

  • Answer any questions we send, by reply.
  • Pick a time for the 1-hour underwriting call from the invite we email you.
4

Step 4 of 6

Lender matching

We build a lender-ready loan presentation and take it to multiple banks at once through our relationships.

To move forward:

  • Review the presentation we email and reply with any changes.
  • Once you approve it, nothing else is needed from you until term sheets come in.
5

Step 5 of 6

Review term sheets

We email you the competing offers and walk through them side by side with you.

To move forward:

  • Book a 30-minute Teams call to compare them.
  • Tell us which bank you want, by reply.
6

Step 6 of 6

Closing

We work through the bank’s due diligence and review the loan documents with you, through closing and boarding.

To move forward:

  • Send the bank’s follow-up items by replying to our emails.
  • Sign the closing documents when the bank sends them.

Questions? Want to speak to a human? Text (949) 620-5278 or schedule a 30-minute Microsoft Teams call.

Why our process works

Built for speed, guided by people

  • Start in minutes, with a 15-minute AI conversation instead of a long form
  • Reply-to-email documents, checked off automatically
  • An email at every step showing exactly where you are
  • AI for paperwork and analysis, people for judgment and relationships
  • Access to multiple banks and competitive terms
  • A real person whenever you want one

Let’s talk about your loan

A few details is all we need to get moving—about two minutes. Then you get an email right away with your step 1 link. Questions? Text (949) 620-5278.

Get startedOur Process