Plenty of owners cannot lay hands on last year's return on short notice, or file late, or have a return that does not reflect today's business. We start from your bank statements instead.
Apply Now →We do not require tax returns. We ask for about three months of business bank statements, which show deposits, withdrawals and balances over a recent period. Because they are recent and unfiltered, statements describe the business as it operates now rather than as it looked at the end of a filing year.
A return covers a year that ended months ago. A business that has grown, shrunk or changed course since then is poorly described by it.
Extensions, late filings and amended returns are common among owners who spent the year running the business instead of managing paperwork.
If an accountant holds the file, getting it can add days to a process that is trying to take hours.
| What the funder sees | What it suggests |
|---|---|
| Regular deposits | Customers are paying on a pattern |
| Average balances | How much cushion the business keeps |
| Recurring withdrawals | Fixed costs and existing obligations |
| Overdrafts or returned items | Moments of stress that may need explaining |
No. It is a different kind of review, not a lesser one. Statements are what we ask for.
That is normal. Card processors, transfers, checks and cash deposits all appear on a statement, and a funder reading them is looking for a repeating pattern.
Send statements for the account that carries most of your operating activity, and mention the others on your application if they are relevant. A clear explanation saves a round of questions.
We fund $25,000 to $5,000,000, in as little as 24 hours. We consider FICO 500 and above, and the application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. You should still keep your returns in order for your own purposes and for any other lender or agency that asks for them. Not being required to hand them over for this application does not change your tax obligations.
No tax returns are required. We ask for about three months of business bank statements.
They show recent deposits, balances and obligations, which describe how the business is operating now.
No. You still need to file and keep your returns in order for your own purposes.
A single bad month inside three is common. Add a short note if something unusual happened.
Yes. Sole proprietors can apply.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
