The Process

How Our Funding Process Works

From pre-qualification to funding in 4 simple steps. No runaround, no surprises.

Why Closer Capital?

Access to multiple lenders

We present options from our network of banks and non-bank lenders to find your best fit.

No upfront fees

We're compensated by lenders when you close. Our service costs you nothing upfront.

Real people, real guidance

You'll work with experienced specialists who explain your options and help you make the right choice.

Fast decisions

Most approvals in 24-72 hours. Funding in 3-7 days for term loans and lines of credit.

1

Pre-Qualification

5 minutes

Submit basic information about your business and financing needs. We use a soft credit pull that won't impact your credit score.

Explore our business loan programs to see what's available.

What you'll need:

  • Your name and contact info
  • Business name and industry
  • Approximate monthly revenue
  • Loan amount and use of funds
2

Review Options

24-72 hours

A specialist reviews your pre-qualification and presents loan options that match your situation. We'll explain rates, terms, and requirements for each.

What happens:

  • Soft credit check (no score impact)
  • Match you with 1-3 lender options
  • Explain rates, terms, and fees clearly
  • Answer your questions before you commit
3

Submit Full Application

1-2 days

Choose your preferred option and submit documentation. We help you gather what's needed and coordinate with the lender.

Typical documents:

  • 3-6 months business bank statements
  • Driver's license or ID
  • Voided business check
  • Business formation docs (if entity)
  • For larger loans: tax returns, financials
4

Approval & Funding

3-7 days

The lender underwrites your application and sends final approval. Review and sign documents, then funds are deposited to your account.

Timeline by loan type:

  • Line of Credit / Term Loan: 3-7 days
  • SBA Loan: 4-12 weeks
  • Real Estate / Equipment: 2-4 weeks
  • Commercial / Large Deals: 4-8 weeks

What Our Clients Say

Fantastic to work with. They quick, no BS approach is what drew me in initially! They're willing to go out on a limb to get the deals done, even if a deal takes longer than expected!
— Ariel Hendricks
Super easy process with Closer Capital! Getting a business loan has never been easier! Taylre was so nice, patient & super cooperative throughout the process. Everything was explained in great detail and there were no surprises. I'm excited to build relationship with Closer Capital.
— Mary Wilson
For those looking for a company with a strong personality and a clear drive to make an impact, Closer Capital offers a compelling option.
— trevhopp

Ready to get started?

Pre-qualify in 5 minutes and see your options within 24-72 hours.

Start Your Application

No hard credit pull • No upfront fees • Fast decisions