How It Works
From application to funding — a seamless process designed to get you the capital you need, when you need it.
Your funding journey in 4 simple stages
We've eliminated bureaucracy and made every step clear and fast.
1. Apply
5-10 minutes online
2. Review
24-48 hours decision
3. Approve
E-sign & confirm
4. Fund
1-2 hours deposit
Step-by-step breakdown
Here's exactly what happens at each stage.
Complete the online application
Tell us about yourself (or your business), how much you need, and the purpose of the funding. The form takes 5-10 minutes. We only ask for basic information to match you with the right funding partner.
- ✓ Personal details (name, ID, contact)
- ✓ Employment or business information
- ✓ Desired funding amount & term
Upload required documents
Submit your documents securely through our portal. We accept PDFs, images, and digital copies.
- ✓ Valid National ID or Driver's license
- ✓ Latest payslip(s) or bank statement(s) (3 months)
- ✓ For business: registration documents & bank statements
- ✓ For secured funding: business plan or research proposal
Application review & matching
Our system and underwriting team review your application. We match you with the best-suited funder from our network of NCR-registered partners based on your amount, income, and profile.
- ✓ Soft credit check (no impact on your score)
- ✓ Verification of documents
- ✓ Funding offer presented within 24-48 hours
Review & e-sign agreement
Once you accept an offer, we send a digital agreement. Read all terms, APR, repayment schedule, and fees. No hidden clauses — full transparency.
- ✓ Clear breakdown of monthly payments
- ✓ No prepayment penalties
- ✓ 24 hours to review before signing
Funds disbursed
After signing, we initiate direct deposit. Funds typically arrive in your bank account within 1-2 business hours (same day for most applicants).
- ✓ Direct deposit to your checking account
- ✓ No hidden origination fees deducted
- ✓ You can start using funds immediately
Process variations by funding type
| Funding Type | Approval Time | Documents | Special Step |
|---|---|---|---|
| Personal Funding | 24 hours | ID, payslip, bank statement | Income verification |
| Business Funding | 24-48 hours | ID, business registration, bank statements, revenue proof | Business financial review |
| Secured Funding | 3-5 business days | All personal docs + business plan or research proposal | Viability assessment |
Get prequalified in minutes
Our prequalification tool gives you an estimate of how much you may qualify for — without affecting your credit score. It's free and takes only 2 minutes.
- ✅ No impact on credit score
- ✅ See potential rates and terms
- ✅ No obligation to proceed
After you receive your funding
Manage repayments
Set up automatic payments or pay manually. We'll send reminders before each due date.
Dedicated support
Every client gets a dedicated account manager for questions or assistance.
Build credit history
On-time payments reported to credit bureaus to improve your credit profile.
Top-up opportunities
Existing clients may qualify for additional funding after consistent repayments.
Common questions about the process
Will applying affect my credit score?
No. We perform a soft credit check during prequalification, which does not impact your score. Only after you accept an offer and proceed will a hard inquiry be made.
How long does the entire process take?
From application to funding: typically 24-72 hours for personal funding, 48-96 hours for business funding, and 3-7 days for secured funding due to viability assessment.
Can I apply if I'm under debt review or blacklisted?
Yes. We work with several funders who specialize in bad credit and debt review cases. Your application will be matched accordingly.
What if I'm not approved?
If one funder declines, we automatically route your application to other partners in our network. We'll also provide feedback on what could improve your chances.
Ready to start your application?
The process is simple, fast, and transparent. Join thousands of satisfied clients.
✔ Prequalification won't affect your credit score