The Process

How It 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.

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