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Funding Timeline Estimator

See realistic timelines for different business funding options. Understand each stage of the process and learn how to speed up your approval.

Business Term Loan

3-14 daystypical total time

Stage 1: Application

Same day - 1 day

Submit application and initial documents

Tips for this stage

• Complete all fields accurately
• Upload clear document scans

Stage 2: Initial Review

1-3 days

Lender reviews application and creditworthiness

Tips for this stage

• Have tax returns ready
• Prepare P&L if requested

Stage 3: Underwriting

2-5 days

Detailed financial analysis and verification

Tips for this stage

• Respond to document requests same-day
• Be available for verification calls

Stage 4: Approval & Closing

1-3 days

Final approval, terms, and signing

Tips for this stage

• Review terms carefully before signing
• Ask questions upfront

Stage 5: Funding

1-2 days

Funds deposited to your account

Tips for this stage

• Confirm bank details are correct
• Wire may be faster for large amounts

How to Speed Up the Process

✓Have all documents ready before applying
✓Provide complete and accurate information
✓Respond to requests within 24 hours
✓Choose a streamlined online lender

What Can Cause Delays

✗Missing or incomplete documentation
✗Discrepancies in financial information
✗Unresponsive to lender requests
✗Complex business structure

Ready to Get Started?

Submit your application and we'll match you with the fastest funding options.

Funding Speed Comparison

Merchant Cash Advance

1-5 days

Business Term Loan

3-14 days

Business Line of Credit

3-14 days

Equipment Financing

3-10 days

Invoice Factoring

3-7 days

SBA 7(a) Loan

30-90 days

Darker bar = minimum time, lighter bar = maximum time. Times are estimates and can vary.