How It Works
30 Seconds to Apply.
Hours to a Decision.
Same-Day Funding.
We designed every step of our process around what business owners actually need — speed, clarity, and respect for your time. No paperwork avalanche. No credit score anxiety. Just a straightforward path from application to capital.
Step One
Tell Us About Your Business
Our application is deliberately simple. We ask for the basics — your industry, how long you've been in business, your approximate monthly revenue, and how much funding you're looking for. That's it.
There are no lengthy financial questionnaires at this stage. No tax returns. No profit-and-loss statements. We believe the initial eligibility check should be fast and painless — so you can find out where you stand before committing any real time.
Most importantly, we use a soft credit inquiry only. Your credit score is never impacted by checking your eligibility with us. Apply with complete confidence.
What we ask in the application
That's it. No bank statements, no tax returns, no financial projections at this stage.
What happens during review
Profile Analysis
ImmediateWe analyze your business profile — revenue patterns, industry context, time in business, and overall health.
Lender Matching
MinutesYour profile is matched against our extensive network of capital providers to identify the best funding options for your situation.
Options Prepared
HoursWe compile your best options with clear terms — amounts, rates, repayment structures, and any conditions.
You Get a Call
Same dayA real person walks you through your options, answers questions, and helps you understand which solution fits best.
Step Two
We Review and Match You
Once your application is submitted, our team goes to work. We analyze your business profile and match it against our network of our wide network of institutional capital providers to find the funding solution that best fits your situation.
This isn't a black-box algorithm making decisions in isolation. Real people review your application, understand the nuances of your industry, and advocate for the best possible terms on your behalf. We look at the full picture — your revenue, your cash flow patterns, your business trajectory — not just a credit score.
Our average decision time is 6 hours. Some decisions come through in as little as 3 hours. You'll never wait weeks wondering if you're approved.
Step Three
Review Terms and Get Funded
Once you're approved, you'll receive a clear, detailed breakdown of your funding terms. We believe in full transparency — every fee, every rate, every repayment detail is laid out in plain language before you commit to anything.
Take the time you need to review. Ask questions. Compare options if you received multiple offers. There is no pressure and no deadline to accept. When you're ready, sign digitally from any device — no printing, no faxing, no in-person visits.
After signing, funds are deposited directly into your business bank account. Many businesses receive their capital the same day they accept their offer. And if the terms don't work for you? Walk away with zero obligation.
What your approval includes
No surprises. Guaranteed.
The terms you see are the terms you get. No bait-and-switch. No fees that appear at closing. If something changes, we tell you before you sign — not after.
Our Approach
What we evaluate — and what we don't obsess over
Traditional lenders reduce your business to a three-digit number. We look at what actually matters — whether your business generates revenue and operates responsibly.
What We Focus On
Monthly Revenue
Consistent revenue demonstrates your business can support funding repayments.
Cash Flow Patterns
We understand that revenue fluctuates. We look at the trend, not just the peak.
Time in Business
A track record of operation — even just 6 months — tells us a lot about viability.
Industry Context
We understand your industry's rhythms, seasonal cycles, and capital needs.
Business Trajectory
Growing, stabilizing, or managing a transition — all are fundable situations.
What We Don't Obsess Over
Perfect Credit Score
A low FICO score doesn't disqualify you. We welcome all credit profiles and evaluate the whole picture.
Collateral
Most of our programs don't require you to pledge assets. Your business revenue is what matters.
Personal Guarantee
Your home, savings, and personal assets stay separate from your business funding.
Extensive Documentation
No tax returns, profit-and-loss statements, or business plans needed to check eligibility.
"Safe" Industries Only
We fund construction, trucking, restaurants, cannabis, firearms, and virtually every other industry.
Timeline
Application to funded — a typical day
Here's what a real funding timeline looks like for most Granton Hale Capital clients. The entire process often completes within a single business day.
Timeline reflects a typical experience. Actual timing may vary based on funding amount and product type.
The Granton Hale Difference
This isn't how most lenders work
We built our process to solve the problems that business owners actually face when seeking capital.
One Application, Many Lenders
Instead of applying separately to a dozen different lenders, you fill out one form. We match your business to the right capital provider from our curated network — saving you hours of repetitive applications and hard credit pulls.
No Hard Credit Pull
Checking your eligibility with us will never affect your credit score. We use a soft inquiry only. A hard pull only happens if you choose to move forward with an offer — and only with your explicit consent.
Fully Transparent Terms
Before you commit to anything, you see exactly what you're getting — the total cost, the repayment schedule, every fee. No surprises buried in fine print. If something doesn't look right, walk away with zero obligation.
Real Humans, Not Just Algorithms
Every application is reviewed by a real person who understands your industry and situation. You get a dedicated funding advisor — someone you can call, email, or text with questions at any point in the process.
Common Questions
Questions about the process
Will applying affect my credit score?
No. We use a soft credit inquiry only to check your eligibility, which has zero impact on your credit score. A hard inquiry is only performed if you decide to accept an offer and move forward — and only with your explicit consent.
What documents do I need to apply?
For the initial eligibility check, you don't need any documents at all — just basic information about your business. If you're approved and move forward, the lender may request recent bank statements (typically 3-4 months). No tax returns, no business plans, no extensive financial statements.
How long does the entire process take?
Most businesses complete the entire process — from submitting the application to receiving funds — within a single business day. The application takes about 30 seconds, decisions typically come within 3-6 hours, and funding can happen the same day you accept your offer.
What if I'm not approved?
If we're unable to match you with a funding solution right now, we'll explain why and, where possible, recommend steps to strengthen your position. There's no penalty for applying, no mark on your credit, and you're welcome to reapply as your business evolves.
Ready to see what you qualify for?
Join 66,000+ business owners who chose a faster, more transparent path to funding. Check your eligibility in 30 seconds — no hard credit pull, no obligations, no fine print.
$25K to $50M available across all industries and credit profiles.