Payroll ahead of receivables
Wages due now, invoices settling later. The most common reason a file opens here and the quickest to size.
Funding that moves at the speed your file arrives.
Apply in about five minutes, upload three months of bank statements, and get the amount, the cost and the schedule back in figures. The reading is fast because the tooling is good. The decision stays with a person, because that is the part software should not be doing.
Apply now
Saves as you go. Your link brings you straight back to it.
Four steps, and you can stop at any of them.
Applying commits you to nothing and leaves no mark on your credit file.
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1
Say what the money is for
This form opens with the purpose before the amount, which is unusual and deliberate: what the funding is doing is the thing that shapes the rest of the conversation.
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2
Describe the business
Structure, industry, EIN, how long you have traded, where you operate. Everything is saved the moment it is typed, so nothing is lost if you close the tab.
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3
Upload three months of statements
PDFs straight from your bank. This is the step that turns a form into a decision, and the step most files stall on. Do it in the same sitting.
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4
Read the terms, then choose
Amount, total repayable, instalment, number of instalments. Someone calls to walk through them. Declining costs nothing at all.
Capital for work that is already in front of you.
Inventory before demand
Buying into a season, or catching a volume price that expires with this week's order window.
Hiring for a contract
Work needing bodies on it before the first invoice clears. Sized against deposits rather than against the projection stapled to it.
Equipment that stopped
The one machine everything else waits on. Idling it while a replacement is saved for generally costs more than financing it would.
What we do not do.
- Assessment is free, and so is being told where the business stands.
- No hard credit pull to reach an answer on an application.
- No bank logins. Statements are PDFs you upload yourself.
- No automated decline. A person reads every file before an answer goes out.
- No number quoted that changes when the agreement is drawn.
Four things that decide how fast this goes.
Deposits outweigh scores
Steady money through the account carries more here than a bureau number. A thin file or an old rough patch does not end it.
Statements are the bottleneck
More files wait on statements than on anything else. Have the PDFs before you start and most applications close in one sitting.
One person, whole file
Whoever opens it is who calls you. No handover, and no second desk asking what you already answered.
Your data stays here
Encrypted in transit and at rest, used to assess this application and arrange funding for it. Not sold, not shared for anyone else's marketing.
The questions people ask before applying.
How fast is this, really?
The form is about five minutes. With statements uploaded in the same sitting, most answers go back the same day and funds usually move within a business day of signed agreements. Without statements nothing moves at all, which is the honest version of the speed question.
Does anything here decide automatically?
No. Software reads the statements and assembles the file, which is why it is quick. A person reviews every file and makes the call, and a person calls you about it.
Will applying affect my credit?
Not to reach an answer. We ask for a credit band for context. If an offer proceeds, the funder may search before the agreement is signed, and you are told before that happens.
We have an advance outstanding already.
Normal, and asked about on the form. It affects what can be added on top rather than whether anything can be.
One question settled beats a form abandoned.
Plenty of owners want a single point cleared up before entering anything. That is a sensible way to start and it costs nothing.
- Applications
- aiforwardadvisors.org/apply
- Desk open
- 09:00 to 18:00 Eastern, weekdays
- Everything else
- Reach the desk