When banks say no or take weeks, cash-flow underwriting can fund in 24 to 72 hours. Here is what moves fast and what causes delays.
What underwriters look for
- Stable deposits in the last 3 months
- Average daily balance that is not drained by the payment
- Card revenue share (helps if you run Stripe or Square)
Simple checklist
- Last 3 months bank statements (PDF)
- Last 3 months merchant statements if you process cards
- Government ID and void cheque (or routing/account)
Timeline (realistic)
- Day 0: submit docs and get pre-approval
- Day 1: final approval, contracts, and verification call
- Day 1 to 2: funds wired
Operational notes: KYC/AML checks must clear. Bank cutoff times and holidays can extend the wire to the next business day.
FAQs
FAQ
How fast is funding really?
Pre-approval can be same day. With clean statements and quick verification, funds can arrive in 24 to 72 hours.
What slows approvals?
Missing pages, unreadable PDFs, recent NSF activity, bank holidays, and delayed verification calls.
Is there a hard credit pull?
Many cash-flow programs do not require a hard pull. Policies vary; we disclose any credit checks upfront.