How it Works
Home > How it Works
Where Technology Meets Modern Finance
Only 20% of Small Business loan applications get approved because the regulated structure of traditional banks favor large stable businesses over smaller, higher risk businesses which most small businesses are considered. In stark contrast, SBC has an approval rate exceeding 80%.
Spend less time worrying about financing your business and more time building it. Access working capital in as little as 24 hours.
3 Simple Steps

apply now
Apply from anywhere by clicking the “Apply Now” button. 5 minute, no obligation application process.

Let us review
Underwriting process typically takes 2-3 hours. Our team will reach out if any additional information is needed and review options that align with your goals.

Get funded
Once approved, you can access capital in as little as 24 hours.
Minimum
500 FICO
6 Months+
Time in Business
$10k+
per month
Funding can be used for
- Cover Expenses
- Payroll
- Purchase Inventory
- Expansion
- Pay Bills/Vendors
- Cash Flow Management

No Hard Credit Pulls

Steamlined application process

No obligation, risk free approvals

Fast Funding
What is needed to apply
- 5 Minutes
- Computer, phone, laptop or tablet
- 3 Months Business Bank Statements
- Completed Application