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Approved Funding Group
An auto body shop owner filling out paperwork at his workbench

Loan process

Every step, from the first form to funds in your account.

Six stages, what you'll need at each one, and how long it usually takes.

Step-by-step roadmap

The application, step by step

No endless paperwork loops. Your dedicated advisor guides each stage until capital arrives in your account.

Business owner completing short initial funding application
01About 5 minutes

Fill in the short application

Your name, business name, industry, time in business, rough monthly revenue, the amount you need and when you need it. You can save it and come back later.

What you do:

  • Basic business and contact details
  • Amount needed and timeline
One-on-one call with dedicated funding expert
02Usually same business day

Your funding expert calls you

One person is assigned to your file. They ask what the money is for and how the business is trading, and they answer your questions.

What you do:

  • What the funds are for
  • Any seasonality or slow months
Reviewing business bank statements and deposit records
0310 minutes to upload

Send recent bank statements

Most files need the last 3 to 6 months of business bank statements. Depending on the product and amount, we may also ask for ID, a voided check or proof of ownership.

What you do:

  • 3–6 months of business bank statements
  • Government ID if requested
Senior commercial loan underwriter verifying revenue streams
04Often a same-day decision

Underwriting reviews the file

Underwriters look at deposits, balances, time in business and existing obligations. Recent performance carries real weight, not just credit history.

What you do:

  • Nothing, unless we have a specific question
Transparent funding term sheet review with zero hidden fees
05Take the time you need

Review your offer

You see the amount, payment schedule, term and total cost laid out plainly. Ask anything before you sign. Declining costs you nothing.

What you do:

  • Read the full terms
  • Ask your expert about anything unclear
Capital successfully deposited and put to work in small business
06As fast as 1 business day

Sign and get funded

Once you sign the agreement and final checks are done, funds are sent to your business bank account.

What you do:

  • Sign the agreement electronically

No application fee

Applying and speaking with an underwriter is free. You only incur costs if you accept an offer.

Zero commitment

Every offer is yours to review, question, negotiate, or decline with zero penalty.

Speed without blind risk

We move rapidly because we understand cash flow, not because we skip the math.

Ready to explore your options?

Start the application online, or speak directly with a funding expert.