💡 The Short Answer
Pre-qualification: Within minutes
Approvals: Typically 24–72 hours after your funding call
Funds deposited: Usually within 3–7 business days after accepting the offer
👉 In most cases, you can receive funds in as little as 3–7 days total
🚀 Step-by-Step Timeline
Step 1: Apply (2–3 Minutes)
Complete the application
Soft credit pull (no impact to your score)
Get your pre-approval range within minutes
Step 2: Funding Call (Same Day or Next Day)
Review your qualifications
Confirm your funding range
Identify the best loan options
Step 3: Submit & Review Offers (24–72 Hours)
Applications are submitted to lenders
Lenders review your profile
Offers are generated based on your credit and income
👉 Many approvals come back within 1–3 days
Step 4: Accept Your Offer
Review terms (rate, payment, timeline)
Sign your agreement electronically
Step 5: Funding (3–7 Business Days)
Funds are deposited directly into your account
Timing depends on the lender and bank processing
⚡ What Can Affect Timing?
Your timeline may vary slightly based on:
How quickly you complete each step
Any additional verification required
Lender processing times
Bank deposit speed
🧭 How It Compares to Other Funding
Faster than traditional bank loans (which can take weeks)
Slightly slower than MCA funding
Similar speed to 0% APR funding overall timeline
👉 It offers a balance of speed + structured financing
🎯 Final Thoughts
Term loans are a strong option if you want:
👉 Fast access to capital with predictable repayment
Most clients can go from application to funding in under a week.
We’ll show you what you qualify for—and how quickly you can access it.