From application to money in five steps
What you do, what we do and how long each part takes, from the first form to the money in your account.
Application · step 2 of 4
- Company
- Connect accounts
- Documents
- Offer
5 steps, start to finish
Fully online. We tell you what we need and what comes next at every stage.
Tell us about your business
Share basic company information, your revenue profile and the funding amount you are looking for.
Share the required data
We verify the information required to understand business performance. As integrations go live, selected data may be shared through secure read-only connections.
We assess the business
We look at revenue consistency, trading history, cash flow, sector, current obligations and other risk indicators.
Receive your offer
If approved, the offer shows the amount, fixed fee, total repayment and repayment mechanics. There is no obligation to accept.
Sign online and get the money
Once the required checks are complete, sign the agreement and receive funds according to the final terms.
Connect your accounts instead of collecting paperwork
In step 2 you connect your bank account and your sales channels (online store, marketplace or payment gateway) with read-only access. That shows us your real sales without asking for months of statements.
Connections are being introduced in phases. In the meantime you can share statements and sales reports, and you always see which sources are connected.
Connections
What to prepare
With this at hand, the application moves much faster.
About the company
- Company details and tax ID (CIF)
- Contact and director details
- Business bank account
About your sales
- Approximate monthly sales
- Recent bank statements
- Online, POS or marketplace sales reports
- Amount you need and what for
We may ask for something else
The exact list depends on each business. We only request the information needed to assess and manage the funding. See details in Requirements and how we handle data in Security & data.
What happens once you receive the offer
You have time to decide. You can ask questions, request clarifications or simply not accept it: there is no penalty.
What exactly the offer includes: see Pricing.
You review and decide
No obligation. If it doesn't fit, that's fine.
Final checks
Identity, bank account and documentation checks.
Signature and funds
You sign online and receive the money in the business account.
Repayment through sales
The agreed share is collected until the total is complete. Lower sales, less collected.
Frequently asked questions
How long does the whole process take?
If your application is approved, you get the money in your account within 48 business hours of signing the contract.
Do I need to visit an office?
No. The whole process is online.
Do I need a business plan?
No. We assess the business using its real sales and activity data.
Does receiving an offer commit me to anything?
No. You can review it, ask questions and decide whether to accept it.
Can I connect my bank or online store?
We are introducing secure read-only connections. In the meantime, you can share statements and sales reports.
What if my application isn't approved?
We will tell you and, where possible, explain why. If your sales or trading history change later, you can apply again.
Start your application
A few minutes online and, if approved, the money in your account within 48 business hours of signing the contract. No obligation.