Disclosure: TrustScore Business Funding is not a direct lender. We are a commercial loan broker connecting businesses with third-party lenders. All offers subject to lender approval. Rates and terms vary. | Full Disclaimers | Terms | Privacy

How It Works

From application to funded in as little as 24 hours. Transparent, simple, and built for busy business owners.

Step 160 seconds

Quick Application

Fill out our simple online form. We need basic business info: business name, industry, time in business, monthly revenue, and desired funding amount. No hard credit pull at this stage.

Company name, address, EIN
Industry and years in business
Monthly/annual revenue
Desired funding amount and purpose
Owner info and credit score range
Soft pull only — no impact to your credit
Step 2Hours - 1 day

Document Collection

Depending on the funding product, we'll request supporting documents. For most products, 3-6 months of bank statements is sufficient. SBA loans require more documentation.

3-6 months of business bank statements
Business tax returns (SBA products)
Government-issued photo ID
Proof of business ownership
Voided check for deposit setup
Additional docs as needed by lender
Step 3Same day - 48 hrs

Underwriting & Matching

Your application goes through our proprietary matching engine. We submit to 75+ lenders simultaneously and collect offers. Your dedicated funding advisor reviews every offer for quality.

Submitted to 75+ vetted lenders
AI-powered matching algorithm
Human review by funding advisor
Multiple offers collected
Best rates and terms identified
Side-by-side comparison prepared
Step 4Same day

Offer Review & Acceptance

Your funding advisor presents your options. You review each offer's rate, term, fees, and payment structure. No pressure — take the time you need. We explain every detail.

Clear side-by-side offer comparison
APR, factor rate, and total cost breakdown
Payment schedule explained
All fees disclosed upfront
No hidden charges
Advisor available for questions
Step 5Same day - 48 hrs

Funding & Onboarding

Accept your offer, sign the agreement, and funds are deposited directly to your business bank account. Most products fund within 24-48 hours; some fund same day.

Electronic signature (no printing)
Direct deposit to your business account
Same-day funding on many products
Welcome kit with account details
Dashboard access for tracking
Ongoing support from your advisor

Why Our Process Works

Speed

Our tech submits to 75+ lenders simultaneously. No waiting for one bank to say no before trying another.

Transparency

Every fee, rate, and term is disclosed upfront. No surprises. No hidden charges. Ever.

Human Touch

Technology does the matching, but your dedicated advisor ensures you understand every option.

Better Odds

Multiple lender submissions dramatically increase your approval probability and get you better rates.

Ready to get started?

60 seconds to apply. No credit impact. Multiple offers in hours.

Apply Now — Free

Disclosure: Timelines shown are estimates based on historical data. Actual processing times depend on completeness of documentation, lender underwriting requirements, and product type. Pre-qualification does not guarantee final approval. All funding decisions are made by third-party lenders. See Legal Disclaimers.