No cost. No impact to your credit.
Simple Steps to Business Funding
From application to funded in four straightforward steps. Apply in minutes and get funds as soon as 24 hours later.†
- Apply in minutes
- Same-day decisions
- No hard credit pull
Your Path to Funding
No paperwork mazes and no waiting weeks for an answer. Here's exactly what happens after you hit apply.
Step 1 — About 10 minutes
Complete Your Application
Start online with the basics: your legal business name, time in business, monthly revenue, and how much funding you're looking for. There's no application fee and no obligation, and checking your rate with GoodChoiceLending won't affect your personal credit score.
- Basic business and owner information
- Three months of recent business bank statements
- No hard credit pull to see your options
Step 2 — Often the same day
Get Your Decision
Our underwriting team reviews real business performance, not just a credit score. Most applicants hear back within hours, and complete files submitted early in the day are frequently decisioned before the close of business.
- Cash-flow based review, not score-only
- Approvals up to $2MM
- Clear terms with no hidden fees
Step 3 — Talk to a real person
Work With Your Advisor
A dedicated loan advisor walks through every offer with you and helps you choose the right product — a revolving line of credit for ongoing cash-flow gaps, or a term loan for a one-time investment. You'll know the payment, the term, and the total cost before you sign anything.
- Line of credit vs. term loan guidance
- Payment and total-cost breakdown up front
- Reach your advisor directly at (371) 523-8527
Step 4 — As soon as same day†
Receive Your Funds
Sign electronically and funds are sent to your business checking account. Term loans can fund the same business day†, and once your line of credit is open you can draw against it 24/7 with funds moving within seconds*.
- Direct deposit to your business account
- Draw from your line anytime, 24/7
- Pay off early with no prepayment penalty
Bank-Level Security
Your application and bank data are transmitted with 256-bit encryption and never sold to third-party marketers.
Fast Decisions
Most complete applications receive a decision the same business day, so you're not waiting weeks like a traditional bank.
Expert Support
Real advisors, not call-center scripts. Call (371) 523-8527 and speak with someone who knows your file.
Common Questions
Ready to take the first step?
Apply in minutes for up to $2MM. Checking your rate has no impact on your personal credit score.