3 to 5 business days is industry average.


There are shops that fund in an hour, those are usually C to D paper and those are usually smaller amounts (but not always) $2995 to $50,000.

Bigger deals usually require site inspections and (or appraisals), and more thorough underwriting (A to B paper) because the terms are longer/capital exposure is higher.


The merchant typically has to have great urgency, and have the time to get you everything you need (many merchants are running operations themselves).

They also have to understand and be comfortable with paying a higher rate, so they won't take a week to "ponder" the offer, or look for "better" options that they won't qualify for.


Merchants who took alternative funding previously, close much faster.









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