Three minutes to apply. Under an hour to real offers. No bank underwriting, no collateral, no waiting weeks.
Multiple funding partners run your file at the same time — not one after another. That is where the speed comes from.
Answer the questions and we run your file on the spot. No callback. No waiting.
Pick up where you left off? We kept your progress.
Your preliminary indication is on file. A specialist will confirm it and issue documents within one business hour.
Our partner desk will respond within one business day with verification and onboarding.
Three steps, and you can stop at any one of them. Stopping costs you nothing.
Revenue, state, mobile number. That is the whole form — no tax returns, no bank login, no hard credit pull.
We run your file with multiple funding partners at the same time and show every factor rate, payment and total in plain dollars.
Three months of bank PDFs turn the indication into a real offer with documents. Text them or upload them — either is fine.
Sign, and funds land by ACH — typically within 24 hours, same day if you beat the bank cutoff. Read the funding guide before you sign anything.
NC Advance is a broker, not a lender. Final terms are set by the funding partner and disclosed in writing before you sign. Full disclosures.
Four structures. We'll tell you which one fits — including when the answer is to wait.
Most funders hide the math behind a sales call. Move the sliders and see the whole cost in plain dollars.
Illustrative only. A merchant cash advance purchases future receivables — it is not a loan, and federal law does not require APR disclosure for it. Some states (CA, NY, UT, VA, CT, GA, TX) require the funding partner to give you an estimated APR and finance charge in writing before you sign.
The bank is not wrong. It is built for a customer who can afford to wait eight weeks.
| What matters | NC Advance | Bank | SBA |
|---|---|---|---|
| Time to funds | 24 – 72 hours | 3 – 8 weeks | 60 – 120 days |
| Application time | 3 minutes | In-branch appointment | Extensive paperwork |
| Decision | Under 1 hour | 1 – 3 weeks | 2 – 4 weeks |
| Documents | 3–4 months statements | 2+ years tax returns | 2+ years + business plan |
| Minimum credit score | No hard minimum | 680+ | 680+ |
| Collateral | None | Often required | Often required |
| Where you apply | Online, from anywhere | Branch visit | Branch + advisor |
Illustrative of typical market experience. Timelines and criteria vary by funding partner. NC Advance is not a lender.
No application fee. No processing fee. No fee to compare offers, and no fee to walk away. Your funding partner pays us when your deal closes — if it never closes, we never get paid.
Multiple daily debits are what actually kill a business — not the rate. Tell us who you are paying and we will look at rolling them into one payment, with new capital on top. Sometimes the right answer is payoff. Sometimes it is to wait. We will say which.
Get consolidation numbers →Send us their name and number. We take it from there and tell you when it closes. No paperwork on your side.
We hold ourselves to the clock we advertise. During business hours, a specialist contacts you within 15 minutes of your application — and if we miss it, say so on the call and we will make it right. Speed is the whole product. We are not going to be the ones who are slow.
Not a bot, not a queue, not a form that goes nowhere. One specialist owns your file from application to funding — and if you would rather just talk to someone, call or text the number below.
Anonymised examples of what a file actually looks like. Structures vary, and final terms are always set by the funding partner.
See the full case studies → · how we read your industry in the funding guide · run your own numbers
Reviews are published only with permission. Ask us for references in your industry before you sign.
No call centre. One named specialist owns your file from application through funding.
No. We're a broker, not a lender. Your funding comes from a third-party funding partner who makes the credit decision and sets all terms. We tell you which partner is funding your deal, and every term is in writing before you sign.
No. The first application involves no hard credit pull. A soft inquiry may be used to review your file, and that doesn't affect your score. A hard pull only happens if and when you accept a specific offer — and you'll be told first.
Usually yes. Approval runs on business revenue and deposit consistency, not your personal score. Applications in the 550–620 range are routinely funded.
Pricing is a factor rate, usually between 1.15 and 1.49. A 1.24 factor on $75,000 means you repay $93,000 — a cost of $18,000. That total is disclosed in plain dollars before you sign.
None. Applying is free, and it commits you to nothing at any stage. You can review your offers and walk away — turning one down costs you nothing.
Call, text or email. Someone answers during business hours — and usually outside them too.